We farm the processing of a great deal of data to low-wage countries that don't even like us. To be managed by guys whose entire year's pay is the same as what you're paid for a week. Which means they are very easy to bribe. Oh and they also think we Americans are evil lazy shits who deserve the pain and suffering we get.
What I am saying is that a disastrous data breach involving millions of Americans' financial or medical data will happen more likely overseas than it will happen anywhere in the U.S. And when it hits you, you will have absolutely zero recourse. Of course, someone could show I'm wrong by explaining to us how the FBI can manage to arrest an identity thief in Bangalore...
So not only are we unable to agree on disaster planning, but the entire system is DESIGNED to provide fertile ground for a disaster.