Mean Old Mr. Gravity

He took my hard drive last night. My quite new 1TB hard drive. It had my music, our family videos, family folders, financial back ups, and to top it all off, Nicole's work projects. The Computer Dr. Verified it today. It was a total loss. Nicole and I are mourning our loss today. She is wrestling with the fact that she lost at least 20 hours of work which in mommy time is like one month of work. I have been watching her work hard lately on some of these projects. I am feeling bad that I did not have a better back up system for her. Starting tomorrow though things will be different. We will subscribe to an online back-up storage service and have a networked hard drive that she does not have to lug around the house. The online backup service is about $50 a year. Oh what a small price it would have been to pay it seems like. Also, iTunes Policy on hard drives crashing is, back up your data! Makes sense. Its true, but fairly unrealistic. I buy a song today and my hard drive crashes tomorrow? I am asking for a one time pass on this one. Hopefully it will be a lesson learned. Otherwise, we have about another $2-300 of music to replace on top of the $70 Computer Dr Fee and the $140 new hard drive and $1000 of Nicole's work time. What plague is this? Any thoughts?