[angersock]

There is literally no incentive in the system to help you, as a patient, keep your records.

Institutions, due to HIPAA and general conservatism, prefer that they have the one true copy of patient health data--this so much to the point of rerunning tests from other institutions (sometimes a good idea, sometimes not). They also know that you probably aren't going to go to a different hospital system--they're somewhat of a natural monopoly (if you ignore further regulatory shenanigans).

The doctors could care less--and as much as they gripe about EMRs, they'd gripe even more about having to deal with patients with incomplete records. The insurance company would prefer that they, if anyone, keep the records, again from an ease of maintenance standpoint.

This is the sort of thing for which we need meaningful legislation. Right now, for example, the digital requirement is basically just "lol scanned pdf". There is some improvement on this front, but it's a slow road.