Also a different take on the problem is so much software is unreliable from a data perspective. We trust these software providers with GBs of our data, yet they

Also a different take on the problem is so much software is unreliable from a data perspective. We trust these software providers with GBs of our data, yet they all have different backup strategies, are using different consistency and ACID guarantees, and are not at all experts at managing and backing up data. If we could abstract away the storage so that it is user owned, or at least a "utility" like electrical power lines where everyone is playing by the same rules, we would be able to trust these platforms significantly more, and rest assured our data is safe even if the software isn't.