In the era of cloud services, if it's not on your hard drive you could ultimately lose access to it at any time. People tend to think about reasons like companies shutting down services, getting acquired, etc. but this brings up an entirely new class of ways you could lose access to your cloud info: Locking yourself out. Maybe you forgot the password, your password manager had a bug, or the account was with an old school or work email you no longer have access to. This may seem silly but as a dev I forget my passwords for things all the time. Imagine how this kind of technological shift impacts a non-technical person.
