Web-based application fear

Does anyone else worry about one of the many excellent web-based applications that they use suddenly crashing, charging fees or otherwise becoming inaccessible? This is a growing worry of mine as I find more and more useful web based applications. Right now, the ones I use most often are:

Blogger
Bloglines
Del.icio.us
Flickr

These are all great services that I am increasingly using. I don't think I would suffer great harm if any of these crashed in the near future, but after years of using such services, it could be a major problem. Maybe I am being cynical or pessimistic. Maybe this is the risk of using a free online web service. I wonder if there are some kind of backup utilities available for any of these services (not that I would use one at this point.) I also wonder if there would be a place for some type of innovative "blog insurance."

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