I have been paying close attention and I totally disagree with you. It's no different than it's ever been. Always there have been hard forks both planned and actual, the first one being early on in the BTC blockchain, importantly the eth/etc split, and recently forks related to the merge. In most cases it was clear which fork to go with or there literally was not a competing fork, the only exception being etc/eth. But suppose there was a contentious fork in an important chain on which government depended, then you literally just pick one and go with it, it's not a problem and you can't make a mistake as long as the new fork fulfils your needs. If not, stay on the old chain or make your own fork. The difference with a spreadsheet is monumental, a spreadsheet can be messed with by anyone with access to it, at any time. Hard forks can only mess with a Blockchain if the community agrees that messing is actually good, assuming at least some of them are paying attention to the new code. They're a non issue, much less scary than things like 51% attacks, which is saying a lot because they're not that scary, and a necessary part of the system to be able to upgrade it