It’s a scare word and has always been. Like “conspiracy theory” it’s purpose is to stop thought and prevent thinking. It’s easily replaced with real words with concrete meanings. Are mass shootings terrorism? Since it’s widely used scare word to describe generally “bad acts towards groups of people” I think ransomware fits, but so does a lot of graffiti. Maybe it’s better to quibble over terms than to talk about how Bitcoin is responsible.