Here's my phone's new cloud storage. Accessible everywhere, no internet needed, nobody gonna stick their nose in it or decide that I suddenly need to pay 6000x more or they'll hold my data hostage
I still remember when this cloud thing was just starting, and some people were absolutely glowing that they can have 4 gigs in the cloud for only 5 bucks a month. At the time I had been drowning in 4GB and larger memory cards for probably a decade.
What it your phone gets stolen? Thats all your data gone, what about sd cards corrupting? It happenes often, what about having left your phone at home and having to acces your documents? (Thats a very specific thing)
And if you really need really fast updates. Then why not use a self hosted NAS. Because there you can controll what happens to the data and not a big coorperation that scans through your files (even encrypted zip files).
There are enough open source, self host(able) free solutions. And if they are so important why are putting it on a untrusted provider aka apple that access the photos without your consent.