You probably have a computer at home. You probably have digital photos and music on it. You might have your checkbook balanced there. You probably have some other stuff you don’t want to lose.
If you’re like most people, you know you should back all that stuff up. If you are backing it up, good for you. You’re the minority. For the rest of us it’s either too hard, too confusing, too easy to put off… I suppose I don’t need to tell you why you’re not doing it, you already know.
I’m not trying to take the high road here, until recently I wasn’t backing up at home either. Computers are pretty reliable, they don’t crash very often at all. That’s my honest opinion, and I’m something of an expert. So, my opinion was “I don’t need to fix the roof right now, it isn’t raining.” Of course, when it’s raining I can’t fix the roof.