While I agree with you and do myself keep several backups, I get the feeling that this is actually more and more difficult to implement for "regular people".
Related to TFA's subject, I'm a user of Lightroom and Photoshop, but the computer-based, "classic" ones. I still manage my photos "the old way", with folders on my drive that I back up regularly to two locations.
However, I also tried Lightroom on my iPhone. Right now, if I were asked, I would not know how to go about backing up those pictures, aside from doing a full phone backup. Also, the marketing speak for adobe's cloud (and indeed, for every similar offering out there) is "keep your data secure / safe". So as a regular user, how would I know that's actually "not secure enough" and that "synced to the cloud" is not actually backed up?
The actual language on the latest Lightroom iPhone app is "Synced and backed up". But given Canon lost their customer's photos the other day, how much can you actually count on those backups being actual backups? My point is that we should indeed try to educate users and not blame them for this kind of problem happening, but maybe we should actively blame companies for the deceiving language they use while at the same time rendering user's data harder and harder to manage.