I myself have gotten answers along the lines of, “why aren’t you acting more like a paid IT person?” and it’s a little off-putting.
We're all hobbyists (though some of us do it profesionally too). Wanting your service to be reliable is a fair assumption. If you don't care if Jellyfin goes down while your girlfriend is trying to watch The Bachelor, or if you accidentally delete all your photos with no backups, then just say you accept that risk and nobody should give you a hard time.