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I think cloud is great for backup - as long as it's not your sole backup strategy. My personal approach is to have a local NAS with redundant drives that also replicates data to the cloud. I'm protected from drive failures, house fires, failed credit card transactions. Obviously not all at the same time, but as far as risks go, feels pretty minimal.

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The cloud is great for backups in the something is better than nothing sense. The same is true for SD cards thrown into a shoebox — except SD cards don’t have a dependency on credit cards.

Obviously not all at the same time

That’s the “so long as you are lucky” part. The cloud is great for availability. Availability != Backup.

The cloud is great as the failure mode is statistically independent of the home backup failure mode. So both backups together if they have a 1000 to 1 chance of failing per year would give you a million to 1. You'd need to lose your primary data then hit the 365 million to 1 to lose all data.

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