Since one can "drag n' drop" or load images directly from one's computer into a post here, why would one really need to use a photo hosting site to store images? If you're concerned about hard drive failures leading to data loss, back up files on thumbnail drives and even archiving them on CD/DVD. They are essentially hard copies which aren't susceptible to loss due to hardware failure or problems with hosting sites. You want to load images, no problem. Load the appropriate disk or thumb drive and copy 'n' paste or drag 'n' drop into your post. It might seem like a dated method; but, I never worry about any of my important files and documents turning into lost electrons.