Usually when that happens you are given a warning and a window (often of many months) when you can still access your data. And, most likely you still have your

Usually when that happens you are given a warning and a window (often of many months) when you can still access your data. And, most likely you still have your original data. P(Data loss) = P(Bankruptcy happens dec 2022) x P(drive failure happens dec 2022). The likelihood of the company going down one day, without notice, and, coincidentally, your regular data store getting trashed the next day is extraordinarily low. Absent some kind of end of the world scenario the two events are, for all intents and purposes, independent and low probability. If you're planning for that scenario you've probably slipped over the line from sensible backupper to prepper.