I worry about stuff like that happening to me with my photos. The best idea I've come up with is setting up a Synology that I export my photos to. It has a basic web app for showing off photos. I then use it's AWS S3 service to back those photos up every night. The Synology also has something like RAID1 on it for some redundancy at the local level. The hard part is remembering to export the files from the computer to the Synology.