So you'd lose your friends and potentially your livelihood and any ability to financial support yourself, or any surviving friends or family, just because you don't want to use cloud backups or a professional backup service with the correct contingencies in-place ?

One could easily imagine a less dramatic scenario where your office is close to your work, you go home with your backups in your backpack; However a flood hits your town, you accidentally leave your your backpack behind at evacuation time. Your office and home are flooded and then your backups and actual data set is destroyed, no one dies but you've lost your company and not just phsycial assets. Seems a little unnecessary ?

I actually have lived in towns where floods, lighting storms and tornadoes have caused situations where this scenario could've easily played out.

I also feel the need to point out there's no need to suggest people need a psychiatrist when planning for a worst case scenario, some people are are just prepared for the worst, whether or not it's just how they're born or their paid /trained to do so.