Did you lose BTC somehow? forgot passord, computer crash ...
No, until now that never happened to me. Of course that you should also try to minimize that risk with backups of your seed and private keys, on a pen or something like that. I don't advise you to put it in a cloud though, even if the file is encrypted. Having a hard wallet would probably be a good idea as well. I think it would be funny to keep a seed of a wallet on a bank, but I'm not sure it would be entirely safe there, so better keep that seed somewhere else.