Billion-Dollar Ransom: A Thriller

So here’s the plan.
Five innocent people. In different locations.  All kidnapped at the same moment in time.
Two children taken from a private school bus.  
A film producer and a movie star grabbed at a hideaway resort. 
A beautiful wife whisked off the streets of Beverly Hills. 
A billionaire wants his family back. 
The cash, gold, jewels, crypto is all ready.
There’s only one problem: a brilliant, very stubborn FBI agent. 
Special Agent Nicky Gordon doesn’t want to pay the kidnappers. 
Not a dime.