I disagree that their motive is business only, unlike the majority if not all cloud services, exporting your photos from the service is real-time, and officially supported, you're not tied or locked in to the company as with GPhotos/iCloud where takeouts strip/alter metadata, full export and slow taking weeks which is painful. Only FAANG seem to offer takeout services, but they're bandwidth and storage waste. The main reason people avoid backups is because they're tedious.
iCloud on a Mac with optimize photos off is the closest without encryption, but trash is 3-way sync with day limit and hence not a backup...
Jottacloud/Koofr/OneDrive have full featured desktop sync and infinite time trash locally but the mobile gallery is unpolished, no on-device AI search, and no encryption.
While other clouds allow 3rd-party clients, some hide and prevent the phone gallery from being synced offline when using the API. Using Rclone or others is complicated.
Synology NAS (with C2) and Ente seem to be the only ones to keep your photos portable and intact while having a true local backup, Ente being much easier to setup.