Permissions inside the database should be segregated. The credential used by the webserver should not have enough permissions to DROP DATABASE. Just the appropriate selects/updates/inserts.
Likewise, if you are storing backups on the same network (as opposed to a tape backup), network permissions should allow writes/creates but not deletes.
Why does full access include the ability to delete read only data that should never ever be deleted for the rest of time?
It's like building a self destruct button that ignites the physical records. It's an unnecessary risk to make such a dangerous thing.