If you don't pay Nintendo a monthly fee, the Switch has no backups. Console gets stolen (more likely than its competitors, since it's a portable system) or you have a hardware failure? Everything's gone.
I have a Switch, but the only games I'll buy for it are ones where I wouldn't particularly care if it destroyed all my save files. Had that experience after a Wii hardware failure and I never went back and finished any of the games I was partway through because I didn't want to replay the first 3/4 of them just to get to the last bit.
Should have mentioned here, the reason Nintendo doesn't have this is probably that you could use it to cheat at Pokemon trading by restoring a backup to get back copies of things you'd given away.
Because that's more important than making sure their customers don't lose literally all the game progress in all of the games that they've played.
I can't imagine pouring hours and hours into your Animal Crossing island on a console that has an SD card slot and doesn't let you make a backup. Someone's going to learn a hard lesson from that about where Nintendo's priorities are.
I still really don't get why not have cloud backups on Animal Crossing. Like, they are afraid people are going to cheat. But... it's not a multiplayer game. The only thing you do is visit other peoples' islands.
