Ah I see. Much can be said on this but here are a few shotgun responses:

1. Lost keys=yes. Self-custody requires a lot of responsibility. There are a number of custody solutions depending on each person's risk tolerance and more options/solutions will likely continue to emerge.

2. You can keep your keys on a hard drive, theoretically, but if that's you're only backup it isn't the smartest option. Other than that a hard drive shouldn't need to factor in.

3. Bitcoin, nostr, Tor, and other distributed networks are the most resilient on the planet. No single point of attack or failure. Grid goes down due to emp, solar flare, cyber attacks, etc. and distributed networks are likeliest to survive because such events are typically not global and even if there were a global scenario, it is unlikely that the effects would be exactly the same everywhere. Meaning, while certain areas are down, other areas might be back up, etc. Beyond that, if a situation were catastrophic enough that all grids and all digital networks were down everywhere on the globe all at once and to the same degree for any period of time, we would have much bigger issues than *oh no bitcoin is down*. Even then, theoretically, if things get back up and running *anywhere* and there are any nodes and miners there, the bitcoin network may be the thing that's the most likely to come back online relatively unscathed. But such a scenario has not been tested (obviously and thankfully).