TBH, in my last 3 years with Hetzner, i never saw a downtime to my servers other than myself doing some routin maitenance for os updates. Location Falkenstein.
Sure, if you configure offsite backups you can guard against this stuff, but with anything in life, you get what you pay for.
It's a server! What in the world is your friend doing running a single disk???
Ate a bare minimum they should have been running a mirror.
(Interesting that an anectode like above got downvoted)
experts almost unilaterally judge newbies harshly, as if the newbies should already know all of the mistakes to avoid. things like this are how you learn what mistakes to avoid.
"hindsight is 20/20" means nothing to a lot of people, unfortunately.