I have spoken with quite a few users who think that if their company file is online they no longer need to back it up.
Perhaps MYOB could include in the instructions for online set up a disclaimer ...
Only new to the online, but very hard to get out of the habit of backing up to a usb and an external hard drive. I still wish to do the back ups as I have 5 years of work that I don't want anything to happen to. Better to be safe than sorry. The only problem is the length of time it takes to back it up, as I want to take it off site for safe keeping