Nextcloud isn't for backups?

Sure it is, if you use rclone. Might take a while with a slow ass upload speed though.

Shared Crate hosting is fine, if you aren’t uploading passwords or bank stuff or anything super important. Just pictures, and that I share some, who cares.

If you care, get a dedicated server, and use the encryption. Enjoy spending more than $15 per month on it. I’m keeping MEGA too though. But pictures will be shared from Nextcloud from now on. Except, I probably won’t take anymore.