Maybe, maybe not. It's the old tension between safety/security/privacy on the one hand and convenience/laziness/cantbebotheredness on the other. I do backups every day and every week (mostly automated, I'm lazy as well) and yes, it's a chore. But then again I've never lost files unlike some people in my acquaintance.
Same thing with password managers. And much of this ain't rocket science...it's just inconvenient. I'd rather accept a dose of inconvenience every now and then than facing a possibly catastrophic meltdown of my life (or the lives of those depending on me).