This is quite possibly the same mess and the recovery steps, as was mentioned else-thread:
However… Triage applies. None of us have the resources (time, focus, access) to fix everything. Here, I would wonder whether someone making a cascade of errors is an addressable problem for anybody else. I would also wonder whether (not) resolving this might help them better focus on how to manage their equipment. Or might cause them to adopt the “que será, será” strategy; ignoring the mess, and continuing with whatever might happen.
With no backups and an inadequate filing system, they were already one mistake or one failure or one dunk or one theft away from mass data loss. And here we are.
As for remediation and recovery here, there isn’t a good path here. Not without those missing backups. They’re going to get to export their passwords, erase it all, restore just macOS, reinstall their apps, and start the “fun” of a global password reset. See the link to the previous thread.
Or they’ll skip some or all of the recovery steps and then seek help with the remnants, having seen this choice picked a little too often.
Triage? To avoid getting overwhelmed providing (paid) IT support, I had to set support request limits, particularly including not cleaning up messes I couldn’t prepare for. This is the classic IT support pitfall: all the responsibilities with none of the authority. Without setting the rules of engagement, last-minute panics — and with few or no means of non-heroic recovery — is not sustainable.
PS: Others in their circle (you, etc) will quite possibly get phishing messages, purportedly from them.