An Apple fan who has spent “nearly 30 years as a loyal customer” says they’ve been “permanently” locked out of their Apple Account due to what might be the overzealous actions of Apple’s automated anti-fraud system. It’s left them locked out of “20 years of digital life,” and it all started with the seemingly straightforward purchase of an Apple gift card.
Cloud storage is fine for your offsite copy as long as you encrypt your data before uploading it. The problem is that a lot of people are using it as their only copy.
I consider it insane to not retain a local backup of anything that is important.