It isn’t everyone. And, in fact, that news article was basically saying that crew losses are going up, because all-hands-lost losses are very common in the indie capsuleer era.
It’s also the case that backups for independent capsuleer crews are only provided the option of backup clones at a discount, not free. The full bit of that quote is:
Provisions for crew safety on capsuleer vessels include numerous safety features, such as small boats, escape pods and long-term survival suits. The SCC also makes available life insurance and financing of static backup clones for space crews on highly favorable terms. Despite these measures the SOE believes not enough is being done to prevent crews losses aboard capsuleer ships.
So escape pods/boats and emergency survival gear is still a thing. Whether or not an individual crewmember might have backup clones depends on just how much they’re willing to put down for it.
Different for national military ships, of course. In those cases, yeah, pretty much everyone has a backup.