I’m not your normal user. I have a media server and a back up server as well as Backblaze to back up my back up server, which the media push data to on a nightly bases. But that’s definitely overkill for most people. Most people actually would have no idea where to start to build their own back up server. So, for your average user, Backblaze type of online backup is the only real back up option.
I was just trying to compare purely the cost of running your own server and putting it to Backblaze and Backblaze in general is cheaper and much easier to set up and deal with. However, I have both, so I’m not a good example.