I don’t think it is stupid but the golden rule is multiple backups. I personally believe 3 backups is the minimum. A physical one and 2 others. Either another physical copy stored at another location to protect against things like fire or 2 cloud backups to prevent situations like this. But I have only ever met one person who did this. His house burned to the ground and lost all data at his house but had back ups at his brother and on some cloud service and lost nothing. I was impressed as most people I know have zero back ups.
I don’t think so either in the sense we are seeing in this case. As in there should be some legal protections like sure Apple can choose to close his accounts but should allow him a reasonable amount of time to export his data.
But one should in best practice always have their own redundancies as too many times we have seen companies lose data for various reasons.
It’s pretty silly to rely an OS that you don’t own. Though one can be forgiven if you have basically no other reasonable choice such as on mobile phones.