All bitcoin scalability solution fo and will require reliable cloud hosting that doesn't rug pull you, because in order for digital money to scale, seed wallets will have to be understood as a privilege for the very rich, for everyone else, money will be an encrypted file, and data integrity is going to be non negotiable.
Discussion
I think I know what you mean. Not doesn't but can't. Relays for example. Limited responsibility and plenty of redundancy. Sovereign money for everyone has to be the goal but takes a long-term view to be sure.
Redundancy is not enough for this kind of data, you need high level of responsibility and you need reputable hosts so you can roughly estimate the chances of the data being lost based on their service track record.