Hard drives are famously prone to failure: I understand that filecoin and storj pay 'miners' to store files, but what happens in case of failure? It doesn't see

Hard drives are famously prone to failure: I understand that filecoin and storj pay 'miners' to store files, but what happens in case of failure? It doesn't seem that there are any penalties for losing files (other than losing out on the expected income) – this does not seem very resilient.