This is how that scenario shakes out:
1. Key person gets hit by bus
2. You see the black bar on Hacker News and learn the sad news
3. You go download all your data from the service, which is still up because there is no bus access to data centers.
4. You feel like a jerk for all your creepy "hit by bus" talk.
5. A few weeks later, some VC-funded operation with multiple employees you depended on disappears overnight without a trace.