You keep your files safe by having backups. Multiple copies. Set up the backups to gets copied to another server or other system your regular user doesn’t have access to. Ideally, you follow the 3-2-1 backup standard if the files are important. That is 3 copies, on 2 different media, and 1 offsite. There are many ways of accomplishing that and its up to you to figure out what works best.
You literally just described American healthcare. I don’t know where people get this idea that you don’t have to wait to see a doctor here. I’ve had to book doctors appointments months out. And specialists can be 6+ months of waiting.
I think the Americans that say otherwise actually don’t try to go to the doctor on a regular basis. And if you press them on why, they’ll admit it is a fucking hassle and worried about the bill if they need to actually get something done.