I really don't get the whole "what if my computer crashes" argument, though. It's not like they had a replacement policy if your house burned down. This way, they actually do offer a "disaster recovery" process and off sit back up.
The MTBF of your average hard drive is much, much shorter than that of your average house.
Or, in other words, I've lost a hard drive and all the data contained on it approximately once every 3 years over my lifespan. I've lost my house and all my possessions contained within it never. I believe that I am not a statistical outlier in this respect.