I think for many (though not necessarily most) busineses, especially micro-ISVs running a SaaS, the business cost of doing what they "should" be doing far exceeds the actual cost of letting bad-things-happen and paying for the cleanup afterwards.

As the designated "code-and-Red Bull-guy" at the micro-ISV I work at, I'll admit that I've unintentionally nuked the production DB at 2am - but fortunately our cloud database provider could do a point-in-time restore and everything was fully operational again by 2:30am. That's because the cost of setting up infrastructure and procedures to eliminate the need to ever manually run DML/DDL against our prod databases would be... probably a multiple of my salary - and be required indefinitely into the future (as that infrastructure would have to be maintained as the database's design changes over time too) - whereas the cost of having PITR on our prod databases in Azure is... a rounding error.

So yes, our prod is going to go down in future - we can't afford not to, honestly (it's a USA-only B2B SaaS, we get literally zero usage before 6am EST and after 7pm PST).