Howto fix the problem:

I have a laptop, it does backups to a fileserver in the basement. It also does encrypted backups to a backup-service on the internet. The latter is there for the case that our house is burglarised, or burn down, or some other disaster destroys BOTH laptop AND fileserver at the same time.

And yes, if that happens AND I've forgotten the password for the encryption, it's acceptable for me to suffer data-loss. We're talking miniscule probabilities here. (I'd have to forget the password I use for logging in every day at the precise same time that something catastrophic happens at home. That's a level of risk that is entirely acceptable to me.)

Sending my entire digital world to some random company on the internet, for them and anyone that aquires, breaks into, subpoenas or otherwise gains access to their servers ? No thank you, not interested.