Rotting, sweaty human hands and fire to name a few.

Pretty sure fire is a risk to servers as well.

Servers make it easier to keep & maintain duplicate data in separate locations, which’ll be unlikely to be affected by the same fire.

Yeah, so does photocopying. The threats you are listing are identical to physical model.

only in that location.

mirror that DB onto a server on the other side of the country, or continent, etc.

Photocopy your documents and send them to another location, same threats same resiliance.