>99.99% of the time a backup program that can save open files will work just fine. But the remaining 0.01% you end up with a corrupt database when you restore a backup.

You could always set up a backup program to take periodic backups. So that you are not depending on a single copy of backup. In any case most important is the coverage and a comprehensive restore plan to cater to all types of contingencies.

So we could work around the problem mentioned by you but with some data loss.