Honestly, backing up your wallet.dat is not that hard. Anyone can get three cd's and make three copies. There is no excuse.
Being a business is harder because new addresses are created and you have to do it regularly but still, its nothing specially complicated.
For being so technologically intelligent, I think what you said is completely idiotic. This kind of naivete only adds to peoples' reluctance to join Bitcoin. Yep, everyone knows how to back-up a hidden file and recover it without risk of losing their BTC in the event something goes wrong. Sure. Sure they do.
Edit: I'll give you being a business is harder.