Failures happen, disks get corrupted, bugs wipe stuff, cloud providers terminate idle accounts, failures happen everywhere in life.
Back up your stuff and have a plan B.
It's 2022. You dont need to "have a sysops background" to know or be able to backup your data.
The cost of backups also depends on your income. Stories like this led to more backups, but so did going from being a student, to first-job-out-of-college, to a senior employee.
There's a spectrum between a hard drive costing a full day's work at minimum wage to a few minutes work for a Googler, Amazonian, or a Metamate making $500k/year.