I don't need to backup my Discord and most likely I will be able to simply restore any iTerm configuration that I have in less time than setting up and keeping file system snapshots running.
Any DEVONThink or my excel spreadsheets or invoices / documents that I care about I can simply backup after I am done working on them. I usually work on one or two at the time. When my laptop dies I probably can just remember what was needed to be done and redo the work.
Restoring file system snapshot would usually be much more hassle than filling in single invoice again or downloading it from some provider again.
For web applications there is usually SLA where they specify how much data can be lost like 1 hour or 30 mins - but no one will realistically guarantee "no data lost" - because imagine doing full snapshot of 1 Terabyte drive it takes I suppose at least an hour anyway.