I'd love to store all my years of photos in the cloud and have someone else responsible for backups, but I just don't trust them for this sort of reason. What

I'd love to store all my years of photos in the cloud and have someone else responsible for backups, but I just don't trust them for this sort of reason. What if I failed to make cloud storage payments due to sickness or credit card being denied/whatever .. how long will they keep stuff before just deleting it? This is just another possible cloud failure mode - the unreachable/unreasonable cloud provider just deciding to delete your account due to some error on their part. So, it's multiple hard drives for me. I guess I should really put one in a fire-proof safe or something ... It really would be convenient to be able to trust Google/whoever with them!