alt Hacker News> when the company goes under > when the accounts stop being paid
I've never experienced such case, did you?
Something much more likely is for a person to drop their phone into the toilet, buy a new one, and completely lose access to their only backup which is Google Photos, because they don't own a computer anymore and it is their only device.
I lost the only recordings of my band when Myspace Music died.
At one point, I also had files on RapidShare. They probably weren't of any value, but I have no idea what they were now.