I never really was able to ransom effectively before, too, but like what was already said, that is more a function of the AI not saving any money. However, there are several factions that rake in the dough and don't use all of their cash because it comes in faster than they can spend it. The Danes are a perfect example. I ransom back family members all the time because they always seem to have the money to pay for it. So, if we're at war, I often go royal family hunting