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Selfhosted
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Indeed. Whatever you put in a cloud needs backups. Not only at the cloud provider, but also "at home".
There has been a case of a cloud provider shutting down a few months ago. The provider informed their customers, but only the accounting departments that were responsible for the payments. And several of those companies' accounting departments did not really understand the message except for "needs no longer be paid".
So for the rest of the company, the service went down hard after a grace period, when the provider deleted all customer files, including the backups...