This is one of the dangers of the Chromebooks' reliance on Google Drive and paltry local storage. Having 1TB of cloud storage is not very useful when it's inaccessible.
How useful is that on a Chromebook that comes with 100GB/1TB of cloud storage and ~9.5GB of available local space?
I've been using computers since I was 12, so about 17 years, and in that time I've had two hard disks break on me. I'm sure you're going to say you've had a lot more, but if your hard disks are going out of action at a rate even near to how often Google's core services drop out, well, you're doing something wrong.
"Shit happens" is never a valid excuse, even for a service provided at no cost to the user.
I also don't treat it as a computer, just a slightly smarter thin client. And that's fine by me (in fact, that's part of the appeal).