> I back up files to my own cloud with a Nextcloud integration for Android.

Ouch man. Don't do that. Nextcloud is fairly unreliable.

> That being said, a monthly or so backup of devices via USB/Ethernet, like we used to in the pre-cloud area, would be enough for all intents and purposes.

And/or use FolderSync to sync to your PC, and then use a proper E2E system to back up to the cloud.

- People don't need cloud backups

- People's files aren't valuable

You're making a lot of claims that are so blatantly false from what I see on my side that I don't know what to make of it. Are you projecting your own needs onto "people"? Or am I the one who's disconnected, and people truly don't care about losing all their photos?