@nixCraft Once Upon A Time it was like "you trust the bank to look after your money, don't you? - so why wouldn't you trust the cloud to look after your bits?"

Point is that I *don't* trust the bank to look after my money. What I trust them to do is *replace* it if they cock up and lose it, with different, but identically useful, money of their own, sourced from somewhere else that isn't my concern.

It's the "identically useful" that's hard if a cloud provider loses your particular collection of bits.