It's possible no one will care much if it's down even for that long. I couldn't care less if my HOA mobile app was down even for a week for example. We don't need constant uptime for everything.
Don’t forget that integrity matters as much as availability in many applications. You might not mind if your HOA takes time to bring a server back up but you’d care a lot more if they lost the financial records or weren’t able to recover from a ransomware attack.
Hetzner provides backups for VPS and machines across all tiers, which are very easy to set up.
I agree with the overall sentiment, but having an HOA app go down around the time when dues need to be paid could be a serious issue.