Your crime is failing to back up your files.
Never trust important files to one hard drive (or even two, in the same location). If it weren't the babysitting "genius," it could've been a fire, lightning strike, or just a simple disk crash.
I use
Carbonite. Backs me up and I don't even have to think about it.
It's also nice to have more than one computer, when your career depends upon having one that works.