> the web applications like Google Photos are annoying but they take away all of this

They minimize it but don't take it away. A content creator must personally place their creation into multiple storage solutions, regardless of whether those solutions are cloud apps or local disks or anything else. In a world where disk failure is the only failure mode, sure, you can outsource the work of disk redundancy to a company, but it's not. The person you outsource to could decide to deny you access! Losing your cloud account (credential theft, alleged ToS violation, bankruptcy, etc.) is also a very real failure mode, albeit far less frequent than disk issues I suppose.

The creator must be the fork in the road.