I'm sorry you've had problems with hard drive crashes. I don't view it as anything more than a maintenance item, rather like periodically needing new tires for your car.
Also, replacing a motherboard does not mean losing data if you have a backup. I know, as I've replaced motherboards before.
Unlike you, I have lost CDs to rot. And I've also lost them due to kids, friends and my own carelessness. The same thing applies to LPs.
And for house fires, FEMA statistics indicate there are 400,000 house fires on average each year. That's a pretty serious number. While I hope no one has one, and if they do music is going to be pretty far down their list for a while, but a simple off-premises hard drive backup solves that problem without the need to repurchase music when they finally get around to this hobby again.
One only needs to peruse the internet and you can find horror stories about any product or device ever made, whether unwanted Toyota acceleration, computer problems, CD players or turntables.
Yes, some people have problems with computer music players, but there are many of us who are quite satisfied with our system and who feel well protected with our backup systems.
You're the one with the doom and gloom scenario so you shouldn't be surprised with others point out the weak points of the alternatives. Everyone needs to find their own comfort zone.