Dave, I feel for you, however as the saying goes .... " To assume is to make an ass of u and me!!"
You will have had reminders about your back up running out, it comes up in the last month or so of your subscription, when you are logging out telling you the expiry date, it's then a simple case of clicking on it and renewing it. People tend to think they'll "do it later" then forget and it expires.
You can't blame Paul or George for you forgetting to back it up, it is not their responsibility if you have forgotten to pay the subscription.
Personally with over 3000 regular customers I think George is a brilliant system, easy to use, reliable, excellent support and very, very cheap.