Another question - what's next? We have seen fake Antivirus scans, then FBI virus, and now this crypto crap, what's next?

Actually, it is not always necessary to pay, our local computer repair man uses some forensic tools to find and restore files:
http://en.wikipedia.org/wiki/List_of_digital_forensics_tools (as they are not completely deleted)

PS: for those in need and just to remove the infection, here is a guide utilizing malwarebytes: http://privacy-pc.com/how-to/remove-cryptolocker-virus.html

PPS: Though it is evil, such viruses teach people to do regular backups.