Hardware loss is easily avoidable with more hardware... create backups, store them on multiple external drives (for most users, a single modern external drive is enough for all the backups, so the additional ones are for copies), and you can then keep one at home, one at work, one at your parents place, and replace them every now and then to 'refresh' the backups... Most home users don't need hourly or daily backups, they just nee their photo and home video collections saved, their documents scanned etc.

With cloud providers, storing stuff in different datacenters doesn't help you, if you get banned from google, because someone didn't like your youtube comment. Multiple cloud providers might be using the same amazon/azure/... datacenter in the backend. Then there are different L0-L8 problems, from political, where your country gets embargoed due to some ongoing political struggle, or you can move to another location, where the internet is slow. And now, it seems that you can lose data due to stupidity as in the original post.