If you used computers built by Apple, the operating system upgrades are free but nevertheless, upgrades are still needed. Microsoft systems are cheaper than Apple's so they have charged for their operating system upgrades in the past. It's just business, not blackmail.
Are you still running a car built in 2001? Possibly, but I daresay you would expect it to be costing you more to keep it on the road. Yet some contributors are happy to keep running out of date computers that are not fit for purpose and must now be aware that they are running increasingly greater risks, not just for themselves but for other users they communicate with. In fact, Microsoft have recently rolled out a patch for the vulnerability in XP (also in Windows 8).
There are reasons why huge organisations may still need XP to run old software but the machines that run it must be isolated from networked systems. The problems with the NHS were exacerbated by the reactions of the multiple IT support teams to the ransomware. The IT teams didn't know which systems had been affected and may have shut down more than was necessary as a precaution.
This cyber attack has served to show all of us just how vulnerable we are. The advice to always keep your computer up to date, to be vigilant and suspicious, keep offline back-ups of important data and use complex passwords that are not reused, is worth taking very seriously.