I agree with Victor. As a ruler, you are a father of your people and you are responsible for then. I must be with little cash or have suffered a very humiliating defeat in order to refuse ransom. Have in mind that my favourite faction are the Byz and I love playing in High Late, which means that I often play wars of attrition where my warriors die like flies but bring as many elite units of the enemy with them to the grave. I consider ransoming them back as a small gesture to their loyalty. And yes, Captured line virtues do a good work.
P.S. Stazi, cpatured generals usually do not get "Good runner" but "Captured". They do lose a star but add +3 morale to the troops, which could be useful.
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