I have all my backups on a NAS in the next room. This covers the vast majority of use cases for backups, but if my house burns down everything is lost. I know I'm taking that risk, but really I should have better. Just paying someone to do it all in the cloud should be better for me as well and I keep thinking I should do this.
Of course paying someone assumes they will do their job. There are always incompetent companies out there to take your money.
I lost faith in most paid operators. Whoops, this thing that absolutely can happen to home users and we're supposed to protect them from now actually happened to us and we were not prepared. We're so sorry!
Nah. Give me access to 5-15 cloud storage accounts, I'll handle it myself. Have done so for years.
I trust my own backups much more than any subscription, not essentially from a technical point of view, but from an access point of view (e.g. losing access to your Google account).
EDIT: You have to enable check-summing and/or compression for data on ReFS manually
https://learn.microsoft.com/en-us/windows-server/storage/ref...
I personally use cloud storage extensively, but I keep a local version with periodic rclone/borg. It allows me access from everywhere and sleep well at night.
Just because someone is a private user doesn't mean that the data is less important, often it's quite the opposite, for example a family album vs your cloned git repository.
Your average grandma would use ext4 when using Linux. Android phones don't do that as well and I don't know about iOS, but apparently APFS only does metadata checksumming.
....
So, I think that your answer for this question is "unfortunately, yes".
Not that I support the situation.
ZFS is not in the same market with AWS S3.