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The likelihood of a server like Apple's, or Amazon's, or Google's going down is far less than the possibility that your own hard drive or local backup will fail. If you require a greater level of security, you can use your own private encryption key to further reduce possible exposure to data intrusion. Your data will be stored in an encrypted format when it is backed up to the cloud at the storage company, which should prevent a hacker from easily accessing your information.
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The good news is backing up your photos these days is cheap and easy. Each method has pros and cons which I'd like to go over now. You'll also have a lot of options that are split between online backups and local backups on hard drives.
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Most cloud storage providers make sure that anyone, even without very technical knowledge of computers and the internet, can use their program. You never even have to install anything or purchase any device to use their service. Second, you will be provided with an account to access their portal. The user interface is very simple. All it will require is a reliable internet connection which will connect you to the servers.