I'm pretty skeptical that this is really practical for most people. I think it's a lot like 'programming for everyone' tools. Most people are basically doomed to fail in some kind of way because both maintaining data and programming are just inherently difficult.
Hell, I'm pretty confident in my programming abilities, but most possible interesting projects require a significant amount of time, if nothing else. Similarly, even tho I'm pretty comfortable with servers, command line shells, etc., managing a working and reliable personal backup system – that's actually resilient to infrequent but inevitable catastrophes – is not a trivial amount of work. And getting the damn thing setup in the first place has been a very significant amount of work!
I'm not sure most people are making a wrong decision with respect to all of the relevant tradeoffs. Most data is probably not that valuable and so the effort to actually secure it and protect it is wasteful.