What happens to your digital files when you die? Wherever they are, cloud, disc, whatever, they are probably not immediately recognizable as photographs. A folder is a folder whether it contains old tax reports, old correspondence, old computer programs or old pictures. And it just may hit the digital trash basket without ever being recognized. At least, when it comes to a box of photographs, someone will know what they are throwing out (or maybe keeping).
...And this is where photographers with any justifiable interest in seeing their digitized work preserved should begin to think about proactive relationships with archival librarians in their communities and states (public libraries, state archives) or IHEs (community colleges, alma maters, nearest research or land grant university) where librarians are increasingly concerned with longterm preservation of digital collections. Libraries--especially research university libraries, and there's at least one of these in each of the 50 states--are repositories of history, literature, culture for public and scholarly research for the foreseeable future. And their librarians value, and take good care of, and routinely upgrade to current archival standards, all forms and formats of visual imagery depicting the lives we led, the deeds we did, the landscapes we preserved or razed. And those librarians often work with fine art/cultural history museums associated with the university or community.
Alternatively, I imagine a good collective initiative for photography clubs/groups would be to create, curate and maintain their own archival servers, with rational limits for individual storage, photographer biographies, protocols for metadata/labeling, and a plan for community/university library/museum donation if/when the group starts to die off.
In either case, I imagine the preservation cause, whether individual or communal, would gain added value to the extent that the photographers are willing to provide prints, captions/descriptions, metadata input/correction, etc. in an ongoing volunteer hands-on basis.
This is one of the things I'll be doing for my own sake in retirement, in any case--at one of my alma maters, or at one of the universities where I've worked teaching, publishing books and shooting photographs. I know how it's done, and whom to work with, and I'd be glad to participate in an ongoing rff thread about how to do it.