who do you think gets in trouble if her phone dies and all her stuff is gone

storing things in the cloud is responsible

Just back it up once a week on the computer, that's what I do.

I don't even use a Google account on my phone. Most apps don't need it! There's only a handful that do, in particular ChatGPT that really insists you have a Google account logged in (why they force you to make an account with their direct competitor is beyond me but they do)

But perplexity is much better anyway so I use that.

And who gets in trouble when her iCloud account glitches itself and loses everything? Or when the network is dead and nothing works?

Local copies should always be primary and cloud copies secondary.

But you don't get to extract rent in that case which is why none of the big companies want to do things that way.

local backups is responsible

yeah you might do that, but how many non-technical people can be bothered to do so?