Most people will not bother or will put off archiving the files in a proper organised manner loads of stuff will be lost / accidently wiped, etc.
- and all this well before the problems of outdated software and hardware set in too.
I really think that, to an extent, we have a case of the Emperor's new clothes when anything digital, but especially where digital photography is concerned. "Digital" is the buzz word - if it is digitlal it must be good or better than something that is not digital.
Like the emperor, people just believe it.
I am guilty of it. I advertise that our Self Storage facility has digitally recorded CCTV - people love it

Matt