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Hidden default to not backup is incompetent not sensible.
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It’s not hidden it’s right there in the exclusions list.
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If the user didn't put it there, it's hidden. Nobody routinely inspects the detailed configuration settings of their backup system, especially when it does appear to be working if you see it transferring data to the cloud and spot-check a file or two.

Any addition to the exclusions list that wasn't added by explicit user action is a hidden change and a data loss bug.

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