As it happens, I don't have many of my photos on floppy disks!
IMHO with a modicum of care, photos today have as good a chance of survival as ever. The main issues are things like what happens to your online accounts when you die ("digital will"). Most photos now attract far more contextual information ("metadata") than they ever did in analogue form, and get reproduced in many more places. Sure, if you're not a little bit careful they will get lost. We tend to look at these survivors and say "wow, digital stuff will never last as long as analogue". We forget that 99% of the photos ever taken are lost and gone for ever, in fires, in wars, on rubbish tips, just thrown away as they were uncatalogued and/or nobody cared.
Sorry, I could rant on this all night. Digital preservation was my thing. And this is a FC forum.