I'm not sure we're on the same page here.

If someone can:

• Create an email address
• Check and read emails
• Create accounts necessary to obtain a phone number
• Create accounts necessary to install apps on a smartphone and use those apps
• Navigate the smartphone UI
• Navigate web pages to do all of the above ...then they can absolutely figure out how to use a free online account to upload important documents in case they lose their primary storage (i.e. their phone).

Like I already said, if they don't know they NEED to do that, that's another problem entirely, and not really their fault. But I haven't met many people who don't realize those documents are important and need protecting. And I'm not talking strictly about affluent, educated, privileged people.