The worlds largest Data Storage Centers, including Google, Apple, Samsung, plus, due to their complexity and and ubiquitous access 27/7 are potentially vulnerable to new generation of very sophisticated cyber attacks or malicious software.
If the system is supported by a nation-stare, such as the US military, it will fail, and this will be classified or just hidden, so not to announce it to hackers or regulators. Errors are top-secret.
If the sytem is public, such as Amazon, it will fail too, and this will be hidden for as long as possible, and maybe never fully accounted for, so not to announce it to hackers or regulators. If and when that fails, the worlds largest Data Storage Centers, including Google, Apple, Samsung, plus, due to their complexity and and ubiquitous access 27/7 are potentially vulnerable to new generation of very sophisticated cyber attacks or malicious software, and will claim an impossibility to protect, justifying any fault.
At the same time, in both cases, insurance will be used to pay damages to the organization first, users second.
A fraud, then, does not go unpaid, even if not externally visible, a fraud becomes a sale, and the organization profits money from it.
This is the current state of affairs. Just like a car stolen from a driver is a sale for the manufacturer, with parts and service still sold, Data Storage Centers are, as the owner's see it, protected. The organization will go on.