Yeah, it's the "lets you" part that ticks me off. That's the reason I have both Google Photos upload and Dropbox Upload enabled. Don't want to wake up one time to find out my photos are gone because some algo had a bad day.
Curious, what happens if Apple locks your account (not in their ecosystem but M1 got me apple-curious ;)? Can you still export you're data, photos?
Additionaly, I plan to amend that with a self-hosted solution. I know, this reeks of tin foil, sure. However, whenever I read a horror story of someone getting locked out of their accounts and loosing access to their data a chill runs down my spine. Everytime I see captach start popping up too often I wonder if I'm suddenly, for some reason getting close to getting banned. This is the same reason why I have a GSuite account under my domain and never use login with Blabla solutions.