I think the interesting thing here is the shift from the target - the "best" target used to be compromising the OS, so OS's made moves to protect themselves from programs running as unprivileged users. Now, it's trivial to wipe an OS and restore from a backup. The real value is the things people store on a computer, which are usually going to be accessible via a user account. One trivial solution would be OS level au…
And the virus will encrypt anything writable, so the backup needs to be "pull", if the infected machine is the one doing backups and has write access to a non-cold-storage backup location it will may encrypt the backup itself.