but I'm learning that a LOT of people are either / or with phones and computers;

My knee jerk reaction was to say something smart ass like "well they should get a computer" but you're absolutely right.

The customer service woman I talked to was surprised I could talk to her and browse the internet (on a laptop). She told me most people use their phone for everything. I met college kids who were typing their papers on their phones. My mom never owned a computer until I gave her one, and she leaves it in the corner "for emergencies".

I have no answer. People will continue uploading their lives into Google photos, Facebook galleries, whatever - with no backup, and hope those companies store their data. I think the average person is fucked.