And why is there no such terror group (and how do you know)? How much did it cost to create that killer virus in a lab - did it cost trillions, so that only rich governments could afford to do so?

I don't understand why terrorists shouldn't be capable of doing such a thing.

Maybe the rationale is that they wouldn't be able to set up sterile lab environments, because we all know that terrorists live in dirty third world countries without hygiene?