It's simple to secure wallet, so there is no essential requirements to own hardware wallets. Everything can be destroyed due to external unexpected factors, like water, fire, crashes, so many things. There are not completely safe methods to easily secure funds. In my opinion, to avoid all of such terrible things, I choose different means to store and save my seed phrases. Then, if one of them unfortunately destroyed or unable to recover, I can have another to recover my funds from seed phrases.