The cost of storage on Amazon is very low - roughly $3 per month for Marco's 22GB.
I imagine most people running a company would have a separate corporate account linked to a credit card, so that personal circumstances have less of a major effect month to month.
It doesn't matter how much it costs. I still don't want to lose my backups due to financial circumstances. I would say a fire destroying multiple safe places to store a backup (i.e., leaving a flash drive or DVD at my partner's home) is a lot less likely than financial mishap.
The solution to this then seems to be that Amazon should allow for you to prepay for AWS credit so one does not need to worry about their bank accounts suddenly being frozen, or some other mishap, just that they have X months of runaway in AWS credit for typical S3 charges.