We assume that disaster will strike someone else, and then when it does, we cry "Why me?" Or "How unfortunate can one be!" However, when disaster strikes, which it will invariably do, we often look for another reason to blame.
We won't point fingers at ourselves or admit to being the ones who failed to set up a backup plan. You can get expert cloud backup services these days from reliable service providers.
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We are more concerned with the quality of the drive, electrical surges, high crime rates (in the event of theft or burglary), ineffective anti-virus software, and other issues.
Problems can be compounded further by the fact backups are often kept on the same premises that the computer. This gives no protection if a fire, flood, or another natural disaster could destroy the premises, computer(s), and data.
There is no reason to not back up your files. All the reasons why regular backups are not necessary can be solved by the new online option to automatically back up your files or entire computer over the internet to an external data center.
Online backup services such as now can automatically back up your data according to a set schedule and can also do continuous backups as files or data change. You only need to set it up at the beginning and you don't have to worry about ever having backups or finding them again.