Re: Or she hadn't completed a backup in the previous 30 days
Frankly, this sounds like the most probable explanation. A cloud backup may fail to complete for a variety of reasons. A likely cause is that the size of the data becomes too large for the backup window.
If a professional server backup fails to complete, alarms sound and operators and system managers rush round trying to solve the problem. In a home office environment, it could be easy to miss, or to misinterpret, warnings from the backup program.
Backup and anti-virus software on Windows often seems to suffer from over-engineered UI syndrome: the standard UI isn't flash enough to pull in the punters, so they make it look like something else. After 30 years working with computers I expect to be able to understand most software, but my wife's copy of BitDefender induces a kind of brain-fog.