Oh come one man, stop the cap!
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Of course it's "fair" to expect individuals, in this case ones who make money with their content, to do regular backups!
It's not just "fair", it's to be expected.
If and artists makes x amount of money a certain percentage of that should go towards backup solutions.
It should involve both, some external (preferable automated) hdd backup + some automated cloud bases backup solution.
Everyone who's been on this Forum can name a bunch of big 3dx-artist who have previously made use of the "oh no my hdd/ssd bro and my data is gone" excuse.
It's unfortunately common practice in this line of work.
However this definitely shouldn't be the case.
Please stop making excuses for lazy, negligent and careless artists.
Remember, the more you tolerate this kind of behavior the more you'll see them indulge in it.