If my apartment has a fire when I’m not there, my laptop is likely to be with me. If there’s a fire and I’m there, I’m grabbing it as I run out the door. If someone steals it, it’s encrypted and it’s synced to another computer at home.
Not all that worried about fire. It’s a brick and stone building, built 4 years pre-war. WW 1 that is 🙂
Lastly, billing, time-tracking, payable, receivable, sales tax due, etc info isn’t on the servers of my bank, at least not in the form in which I use it. Client lists? Nope. Media/vendor lists? Nope.