What is your story of not being able to access your Bitcoin wallet with Bitcoins in them.
What have you tried to retrieve them?
Maybe I'm just a lucky person that I didn't experienced losing my access to any Bitcoin I have until now.
Or because I have done a research first regarding the basics and that includes storing of Bitcoin before I invested on it and decide to hold some.
Retrieving them is easy if you remember the keys of your Bitcoin, aside from that it would be hard to retrieve.
It depends, even if you take several precautions and have many backups of your wallets there is always the risk something happens that is way beyond your expectations and you still lose your coins, for example even if you have many backups if all of them are in the same place and something like a fire happens you could still lose all your backups on the fire, and if you take the precaution to store them in different places one of those backups could be stolen and you could lose your coins anyway.