

This is basically guaranteed under late stage capitalism. As the richest of the rich accumulate a greater proportion of wealth they just buy more and more assets (when they’re not buying politicians, lobbyists, media empires, etc), artificially inflating the value of those assets well beyond what was ever possible in a competitive market.
They command so much wealth that they can increase the value of their existing assets just by buying more, driving up the value of those assets via reduced liquidity and artificial scarcity (see housing). It grants them greater and greater opportunity and power to manipulate markets and extract greater and greater profit margins from everyone poorer than they are. It’s a cruel, psychopathic system structured to benefit the most immoral, unethical, and undeserving of criminals.

If you use zfs for docker, dbs and vms you don’t have to shut down anything. Just snapshot and send/recv to sync snapshots to another ZFS drive.
You can even mount and copy the latest snapshot to the cloud with rsync/rclone; probably also borg/restic/kopia. Each applications state will be internally consistent if the snapshot is performed for all data at the same time. If you’re paranoid you can stop everything for a few mins to perform the snapshot, but it’s not really necessary.