Backup is needed to avoid penalty transaction. Suppose you set up a 1 btc channel to me and spend 1 sat and your machine crashes. Then you try to force close as if you spent nothing. Well, the penalty transaction gives me control of the full channel. You just lost almost an entire coin because you tried to cheat me out of a sat.
while backup is preferable, there is also #SCB. which sucks, but is clearly better than having nothing
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