Surely you realize that making data a liability reduces the ability for you and I to host it, not increases it. I understand you are against centralization of data, but you can't magically commoditize and distribute it via punishments. You'll only strengthen those that can take a hit. While it seems mathematically logical to say "well, if we make it less financially beneficial to have data, they won't have it" what happens in practice is "well, if we make it less financially beneficial to have data, nobody will have it". There are alternatives to decentralization that have less effect on smaller orgs.