I have always been skeptical about such services. It is like collecting pennies in front of a steamroller. Sooner or later, a tail event like this is bound to h

I have always been skeptical about such services. It is like collecting pennies in front of a steamroller. Sooner or later, a tail event like this is bound to happen. A distribution of hosting experiences has to be fat-tailed. It is okay to deal with that risk when even the worst case scenario is acceptable. But, for your own home how can it be acceptable?