Someone decides to format his hard drive without backing up his data? really?
You either know what "backup" is or you don't, you can't protect someone that has no idea what backup is.
//edit: ..and bitshares2.0 will fix this issue and make heavy use of a backup seed (brain key/backup key)
maybe he intall bts in d:\
but data is still save in c:\ by default
so when his OS is broke bluescreen ,can't log in,
he use Ghost to restore the OS,then all c:\ data is gone
when he run the bitshares in d:\ ,wallet is gone.
Since we want to promote to the general population BTS, why not improve ease of use?