My age.
I remember about a decade ago when wiping your phone daily to install the new ROM was not that much big deal. I think a lot of stuff was unstable more unstable than it is now but we relied less on it. Now. I can not imagine loosing some data or some things that are important to me.
Also regulation. I worked in ecosystem that if it was a cloud service you would have to sooo much extra time on paperwork for only a chance of not getting denied. There was also some other legislation out right eliminated a number of services. Local became only real option.
My solution to this is setup an SFTPgo drive or mount a restic drive and have docspell (alt to paperless with worse UI) to watch for changes.
Main advantage of docspell that it consumes files without being destructive to consume folder. Having a network or cloud drive was already the way I stored my files, so I did not need to change much.