In a complex modern society, we can’t all be expected to have backup plans to the Nth degree.
Is it possible to bore for my own water supply, install solar+inverter/battery backup for electricity, get a medical degree to treat my own wounds? Sure but most would say it’s not reasonable.
It’s why we have regulations and ombudsmans for healthcare, transport, finance, water provider, electricity providers, communications providers etc.
Oddly missing from that list is critical technical infrastructure providers like Microsoft, Apple and Google.