Rather than call you an idiot like everyone else seems to be (you're not btw, yours was a perfectly reasonable expectation, and it is a little disappointing that they follow such annoying policy to remove liability).

I'll make a useful suggestion instead:

Back up your USER folder from the game's directory. I always kept regularly backing up mine in XI because there's nothing worse than losing all your macros and settings (with the exception of forced rear-entry by Cactuar).