If a user wants more protections there is “Advanced Data Protection” which fully encrypts all iCloud data however Apple knows you might lose your password or something so they require a recovery method before turning it on and make sure you know Apple won’t be able to help you if you lose your password and recovery method.
Also for certain sensitive data such as health data or passwords full end to end encryption is enabled even in standard mode as it’s determined it’s worse for someone else to get access to that data then it is for you to lose it where as generally losing your photos are worse then someone else getting access to them.
If a user wants more protections there is “Advanced Data Protection” which fully encrypts all iCloud data however Apple knows you might lose your password or something so they require a recovery method before turning it on and make sure you know Apple won’t be able to help you if you lose your password and recovery method.
Also for certain sensitive data such as health data or passwords full end to end encryption is enabled even in standard mode as it’s determined it’s worse for someone else to get access to that data then it is for you to lose it where as generally losing your photos are worse then someone else getting access to them.