Many years ago on News/usenet, a user said he had five antivirus programs installed and wrote he still got infected. The answer that the user got is
still one of the best I have seen: "There is nothing that is going to protect you against your own stupidity"
Today, all people are equally vulnerable to malware no matter their surfing habits or how they use their computer as we all are more and more existing as global net citizens. To try and protect themselves, many still seem to rely on their antivirus application only and think they are safe. Sadly, that has not been true since many years ago, but coolcolors advice above is true.
What advice? Common sense, cautiousness and scepticism! Add regular backups and you will minimize the impact of an infection.
If you are already infected, well good luck studying decryption routines. I do not know if it is possible to use "System restore" or going back using "Shadow copies" for this particular infection, but for whatever it is worth, considering the value of the common laptop/workstation, the cheapest advice is usually "reinstall" or "buy yourself a new PC". Unless you can disinfect the computer yourself that is.