One of the ways to avoid losing one's assets when faced with natural disasters is to have a duplicate of the seed phrase stored in a different place this may sound crazy but is is also a good way of saving the ass of the investor invade of issues like the one you mentioned. There are different disadvantages to having different duplicates but it is still far better than facing the risks of storing the seed phrase in the Internet because hackers can take over your funds overnight. Saving duplicates and hiding them from eyes of others help to ensure you don't lose everything when you encounter unforseen disasters.
It sounds simple but things are not as easy as we say. Where do we store seed phrases when we only have one home and don't trust distant friends or relatives? Or even if we own 2 or more homes in remote areas, who among us is brave enough to keep the phrase in a home hundreds or thousands of kilometers away from us?
No method is absolutely safe, everything has risks and we can only choose the risks we can face. Depending on the geographical location, surrounding environment,...we will have different suitable methods to minimize risks to the lowest level.
I think diversification is best because early investors should learn this technique and we will see early investors who will do mistakes by investment in only one asset which is very bad because we don't know the future of any industry and any industry could collapse , so we should invest will little risk and always learn before investment and do not blindly follow any person. There are thousands of people who are Investing money and they know about money and investment and these are the people who are earning best at that time . We know the market situation after COVID-19 and many governments struggled and most of businesses was closed after that because people had no money and people tried to do jobs because they will have stable income.