This is why I panicked when they announced they won't sync Google Photos with Google Drive anymore. With the sync, I can setup one of my computers to constantly download the photos and then copy it onto a local backup and an online backup. If my Google Account gets locked - I'll just copy the photos into something else and move on with my life. They removed that saying it's confusing to users - all the while it was an option users had to go explicitly enable.
I switched to iCloud which supports the download feature.