Perhaps that is the point, you shell off the responsibility to somebody else, pay some money to some 3rd entity and you have insurance, and you pay premium the more lacking you are in responsibility. Thats not to mention the case that some insurance policies are a legal requirement, case in point car insurance.

So, like companies such as mozy and backblaze, which I explicitly mention? Essentially they provide insurance in the form of backups. Trivial to use too. I'm not sure of your point anymore.