OP is absolutely spot on. I know a number of cases where people lost access to their Bitcoins, because they lost the password and recovery phrase. In most of the cases, carelessness was to blame. But I know one incident when the backup, which was stored in hard-copy format was destroyed in a fire. Obviously you can blame the user for not keeping multiple backups at different locations, but no one really expected that the backup copy will go up in fire. Among my friends, I have heard only one incident of someone losing his coins to hacking, but I have heard multiple incidents of people losing their coins because they can't access their wallets.
true, there are many variations of events because people lose access to their bitcoins, of course the most often is forgetting to store and usually do not have adequate backups because they believe that what has been done must be easy to find.
Of course the recovery password and phrase seem to be the same as the character who forgot to save access. all because they are overly confident because sometimes when they need it they are just confused because what they think they remember did not happen, they actually forgot.
If the matter of hacking, there is indeed a friend of mine who has also experienced hacking but it can be ascertained because of the negligence that was made so that it could be hacked, because often open unknown links or resemble something related to blockchain, if I myself was hacked by close friends because I trusted to help me, but that is sometimes belief cannot guarantee so that it must be maintained by whatever causes it to happen.