But for everyone else (skipping over the fact that you could have a little more compassion to someone who lost decades worth of important, sentimental data), running your own backups is way more work than should be necessary compared to the mainstream solutions. Especially since most people will likely not hit this scenario anyway, it's just a lottery of the unlucky.
And honestly why are we just accepting that these organizations sitting on infinitely growing wealth can use it to incentivize us to give us all their data for convenience and otherwise worry-free management of it, and then just lock you out one day based on bad algorithms, and offer next to no customer support to resolve it because they don't want to spend a tiny fraction of their operation budget on a department for that?
I'm not sure how you'd enforce regulation on something like that but if we're gonna let big tech run rampant and collect all this data on the population, it seems like the bare minimum to offer a better experience for stuff like this.