File on your computer is one of the fundamental building blocks in a digital world just like a house is a fundamental block in real economy.
The files you put on dropbox or some other centralized services are prone to hacking. The mortgage you take on your house from a centralized authority like a bank has similar risks.
A decentralized example for a network file storage is a system that breaks your file into 10 or 100 small pieces and puts them in different places on the network and will assemble back on your computer when you want it.
The analogous concept for your house mortgage is a system that breaks down your home loan in 1000 or 10000 small units of value owned by different people with small amounts of ownership and get paid back every month from the rent on the property at the same proportion of loan ownership. Such a model has a built in insurance in case of natural disasters.
With blockchain and modern computers such a system is totally feasible. This will be the future of savings accounts.