The last person I trust with valuable files like family photos is myself.
I am a bad sysadmin, bad at back-ups, bad at security, bad at redundancy. And I would guess that describes 99.99% of people who care about family photos.
Well, that's why I trust two other companies, plus myself.
I don't know, doing basic backups aren't super-hard for someone who's reading HN. My setup is really just a regular Linux box with a 1TB HDD sitting in a closet of mine, with dynamic dns pointing to my own domain (not even a strict necessity), and I rsync it whenever I have new data like photos. That box in turn syncs to Crashplan and Dropbox, which is automatic.
Yeah rsync and the concept of a backup PC is beyond mere mortals, but for those of us here--if Dropbox (or any service) is your only backup, I think you can only blame yourself.
I am a bad sysadmin, bad at back-ups, bad at security, bad at redundancy. And I would guess that describes 99.99% of people who care about family photos.