Please don't normalize that behavior. Not having regular backups is dumb, like not wearing seatbelts. On a Mac it's so easy -- just plug a drive in once a week or so and Time Machine does its thing. A 1 TB hard drive is cheap, far less than the value of a lost day.
I don't backup my computer anymore because everything I have is in the cloud anyways. I have a git repository with all of my scripts, a command I run to set up my system from scratch, and all of my files in Google Drive/Github. Any Steam games I play either automatically store my information online, or aren't important enough for me to worry about. The only think I would loose if my computer broke was my downloads folder, pretty much.
The only thing I customize in my browser is the color scheme, and my script updates that manually. I mean I have some bookmarks and extensions, but those don't take more than 10 minutes to restore.
I agree, I use time machine on both work and home machines , and I also keep an additional offline drive for my home machine that I sync regularly and then move to a different area of my home and leave unplugged (providing security against a ransomware or other malicious attack).
But most people just don’t and a response of “restore from your backup” is unhelpful to them :(
Why? The comment that sparked this conversation is such a niche and unlikely problem that I really don't see backups as a good cost/benefit decision just to defend against things like that. All of the data I care about is backed up. I really don't see the point of full OS backups.
macOS will create local backups (space permitting) and then dump them all at once when connected to the Time Machine drive. Though of course you won't have the backups from between the last time you connected the drive to the time your computer was hosed.