Borg is it’s own thing, just handy to have it built in and preconfigured to work. If you run VMs on your working host instead of directly on the machine you could just back those up for pretty much the same effect, though it wouldn’t usually be a realtime backup.

The next cloud data is fine being remote, when I say realtime I guess it could be better said as time sensitive. A database needs to update something and read it back in the right sequence for it to work properly. Just retrieving a file doesn’t have those issues.

If you happened to use it in a way like shared collaboration of a document with realtime updates it might be an issue, but I expect in that case the revisions would hit the DB first and then be put to the file as a secondary operation. Never tried that myself though.