[worldsavior]

You can also say: cloud servers are on fire and the house is on fire, have another backup someplace else. It's all probability.

The probability that your house will be on fire these days is low, and the probability that your computer/hard drive will get on fire is also low (since you will probably take it out, no one will leave his phone in a burning house right?).

We can say that the probability above is that low that it doesn't really affect anything. There are many other different parameters to add, and I use a bit of math here which doesn't always reflect on life, but you get the point.