Equipment failure is probably the main reason you need online backup storage for your data. As the saying goes, it's not if your hard drive will fail, it's just a matter of when. Sooner or later you will need backup.
If you keep your life on your iPhone, though, there is another major reason for online backup: loss or theft. It seems that iPhones are thief magnets.
Plus, no matter how careful you are, it is very easy to lose your phone. And then you're sunk. Unless you have a good backup
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