An insurance policy is equivalent to an offsite backup? So you don't have any personal items of any intrinsic value at all; you could lose it all, get a cheque

An insurance policy is equivalent to an offsite backup? So you don't have any personal items of any intrinsic value at all; you could lose it all, get a cheque in return, and be happy? Wow. Well, awesome, but I doubt that is common. And look, I agree with you in many ways - people need to take responsibility for their own backups, sure. But there is a division of responsibility. I mean, even if all my backups are 100% perfect, I am still trusting the hosting provider to, well, keep the power on. Pay the peering bill. Keep the server temp down. Not go bankrupt tomorrow. You can just follow this chain as far as you want. Whether you like it or not, you're utterly dependent on the DNS root server admins. There is nothing at all you can do to prepare yourself for their failure. I bet you can't generate your own electricity or grow your own food, either. All of civilisation is built on co-dependency and delegation of responsibility. It's the only way to do anything complex. At some point, you must delegate. Atwood should have checked - but he was paying his host to do it. That's like having an employee whose job it is to do backups. At some point, you just have to let go and trust them. Otherwise you can never really do anything; you're caught up in checking minutia; I can give examples of this kind of leadership failure until my keyboard breaks.