Not that people ever listen. Backups are perhaps a lot like basic insurance in that way. In a lot of countries basic health and liability insurance policies are mandatory because a sizeable chunk of the population would refuse to have these without that requirement, even though it benefits the vast majority of people.

Silly if you consider how from a technical and practical standpoint nothing prevents you from carrying a backup of every important document you've ever owned and a good deal of photos and such with you in your wallet on an encrypted mini-SD-card. Wallet gets stolen? Make a new backup. House burns down? You have your backup. Drop off a card at friends or family, keep one at your employer, hell, stick them on the Christmas cards you send out each year to your nearest and dearest; with proper encryption you are the only one able to use them anyway.

It also doesn't help that people blindly trust the big tech companies to do this for them.