It is possible to suggest preventative/corrective action without blaming OP. I find it kind of sad that you can't make helpful suggestions (to future potential victims) without someone saying you're "victim blaming."

you're right there's a fine line. I interpreted the tone of most as judgmental / critical.

saying "get a lawyer" or "file a complaint" is constructive. saying " it's your fault for not backing up" or "that's what you get by using cloud" is just judgmental. Neither are practical solutions, regardless. Even with perfect backups it would have happened. And for 99% of social people, it's impossible not to cloud.