They have obligations to their corporate customers which would require them to have architecture in place to protect against that kind of scenario better than a

They have obligations to their corporate customers which would require them to have architecture in place to protect against that kind of scenario better than any home user could on their own. Plus you could hedge your bets by just backing up to multiple providers (i.e. Google Drive, Onedrive, Dropbox). What are the chances that all three would fail simultaneously?