I have to say I agree with Sean here... Read the fine print before you commit your digital life into the hands of strangers... Yes, even if they come dressed in slick Web2.0 shininess, they are still strangers and once you hit that "I Accept" button you actually (surprisingly!) do accept those Terms & Conditions... and almost always the T & C fine print has the information that says this website/company/service may be gone without warning anytime !!!
Don't expect to be bailed out just because you were dumb... Oh wait, this is the USA, people expect to be bailed out all the time here, don't they?
BTW, a very true saying, quite relevant in the USA is: "VOTE WITH YOUR DOLLARS"... if you don't like a service, don't support it... and if you do like the service, be ready to vote for it with your $$$s.