Lived in the time where diskettes where normal, everyone had a "real" backup, those where normal consumer too.
Wanna make a bet that OP makes now real backup's?
In the time of the diskettes, less than half of households owned a computer. We can't really compare the technical competency of today's user with one from the mid-90's.
Figure 1: https://www.census.gov/history/pdf/comp-internetuse2016.pdf
>We can't really compare the technical competency of today's user with one from the mid-90's.
True, like checking the pressure in car tires, but if you loose your data once "competency" will increase ;)
In that respect, cloud storage was supposed to be a major step up for the average person.