This is painfully, hideously true: Regular People Have No Idea How To Manage Photos On Their iPhone.
The kids born 2010 and beyond (when the iPhone camera actually got good), will have a ton of pictures taken of them. Parents largely don't have a digital workflow that allows for backup, usability, and long term storage. Apple has always prided itself on making technology for regular people. This is a problem that regular people need solved. Photo storage and backup needs to be automatic and so easy that it's nearly impossible to screw up.
Instead, it’s nearly impossible to get right. Almost every “regular person” I know who asks me if all the photos on their iPhone are safe … they’re not.