Remote relays are unnecessary for journaling. Backups should be optional and encrypted. The idea of storing entries as nostr events is awesome for interop.

If you could make it more like Obsidian/Logseq (knowledge graph) that would be great.
the problem with your logic is if that was true why do so many businesses use email, calendars, document sharing and other tools from cloud services?
Maybe we are talking about different apps
what is unclear about "people lose their backups and need third parties to keep them" exactly?
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