Why is there only one "iCloud" to backup your iPhone and store photos? Lots of ADP users would use a corporate or self-hosted solution instead.
You can also manually transfer photos to the computer. Or you can enable a different app (Google Photos or Dropbox for example) to store copies of every picture you take, and then turn off iCloud Photos.
Note that neither Google nor Dropbox are E2E encrypted either though.
I have a NAS that is accessible through VPN. But I don't trust its encryption, thought it is in my controlled location.
That's why cloud backup was useful.
[edit: actually I mis-remembered this, it's "only" 2 years (or 5 if it's national-security-related) that they'll jail you for. "Only" carrying a lot of water there...]
To be fair this should be standard.