I’m not quite sure I understand all of this, but it appears you can now buy insurance to protect your records? Right now things are tight enough just to even afford health insurance, but there may still be a market. On thing though that I found in error here though is the comment below about 
having someone manually insert a fax into the PHR with other companies. I have HealthVault and for $9.00 a year, it’s an automated process, I know I have used it, seconds later it’s there and there’s no time for a human hand to touch it. I temporarily stored my grocery list in there once and removed it later. BD
MMR Information Systems, Inc., which through its wholly-owned operating subsidiary, MyMedicalRecords, Inc. (collectively, "MMR") provides consumer-controlled Personal Health Records ("PHRs")and electronic safe deposit box storage solutions, has announced it has secured insurance to help protect its customers, clients, affiliates, doctors and users from actual loss or damage up to one million dollars caused by errors in the company's Personal Health Record system. The underlying policy is written by an insurance company that is A-rated by A.M. Best.
Information in MMR user accounts is stored in two Tier IV data centers, 100 miles apart, with redundancy down to the power supplies. These Tier IV data centers have been certified through ongoing SAS 70 reviews. MMR's platforms are also protected by multiple firewalls. And unlike other Personal Health Record services that ask users to fax their medical information to customer service representatives who then place the records into their account, when using MMR products a user's records go directly into his or her personal MyMedicalRecords.com or MyEsafeDeposit.com account with no third-party intervention whatsoever.
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