Yeah, but the prevention measures for loss due to those are well understood by every adult and easy to take into your own hands as either a business or a regula

Yeah, but the prevention measures for loss due to those are well understood by every adult and easy to take into your own hands as either a business or a regular person. The prevention measures for digital catastrophes are not widely understood by those outside the industry and most people would have to outsource them to someone else without any way of knowing for sure that what they have set up will actually work if push comes to shove.