Flawed logic. How often does something happen to your cartridge? Are they so rare that they must be handled with rubber gloves and kept in a vault? If your house were to burn down with your game cartridge inside it, would your backup (most likely also in your house) be any better off?
Those who back up their games do it for piracy reasons. There are a few legit reasons besides piracy, but none of them are "in case something happens to my main copy".
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