For me it's not the amount of "$" I have invested, more the "life" I am responsible for.
I agree totally which is where the term "irresponsible" enters into the topic. If it weren't for the fact that we are dealing with live animals that we have assumed the responsibility to care for, I would say that whether or not someone has a back up or not is none of our business.
Most of us have limited means to provide backups and unfortunately economics plays a role.
I wonder if there is a percentage of allocation that we could agree on that one should be spending on backups relative to the amount of investment in the reef? Should 1% or 10% of the funds you have spent on your reef be budgeted on emergency equipment?