The predatory credit cards in the US should be not legal. They are exploiting people who don’t have so called “financial literacy” and encourage wasteful spending.
In Europe the US style credit cards don’t really exist and people just have debit cards. Also there is a social safety net, so people don’t have to rely on keeping money in the bank for when they become unemployed.
It’s also not just about photos. If you want to do automatic backup of your phone you can only do that with iCloud. Otherwise you have to connect your phone to a computer and do a manual backup with iTunes/Finder. Apple even killed off automatic local wifi backups by forcing you to enter your unlock code every time you trigger a backup via iTunes/Finder.