You could say it was your fault by not having a back-up.
😛
Seriously though, when it comes to hard drives, it's not a matter of if it will fail but when it will fail. Some hard drives will last years without a problem; while others will fail within days, weeks or months. If you have important data that you need safeguarded, then regular backups are a necessity. Don't put total trust in your hard drive not failing.