Ransomware can be thought of as a type of virus infection that you can get on your computer that will encrypt your files and not allow you to access them. You will then need to buy a password key from the people who gave you the ransomware to unencrypt your files to access them again. The problem is that if you pay this ransom money, you will most likely never get your password key so its best to not get ransomware on your computer to begin with.
Windows 10 comes with ransomware protection but it is disabled by default. This video shows you how to enable it.
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Here is a writeup on the process.
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