Right but that's partially technology and partially habits.
My wife literally has track of zero printed / film photographs she ever took. She's got zero clue where they might be. Not even "shoe box somewhere" :->
Whereas, I have all my photos of last 20 years (since I first took a digital shot) chronologically sorted in folders by year then event (e.g. "Photos/2022/HalifaxTrip2022") on my NAS. It's barely any effort to organize in that way (no fancy tagging or sorting, just year and event, or generic yearly photos /photos/2022/2022_Photos as catchall), yet Typically it takes me seconds to minutes to find some obscure photo somebody remembers or wants, and near instantly for big events like trips, birthdays etc.
It's all about how much one treasures those photos / how obsessive compulsive one is :-). There's certainly ways to manage digital photo libraries, whether manually like I do, or automagically like Apple or Google do.
(we also print albums through Costco of fun trips etc. Nothing about digital prevents that)
To be fair though, When it comes to discussion about cloud and gaming though, it's an utterly disingenuous comparison. I fully and permanently own and control my digital photos in an universal format and can switch and back them up from provider to provider seamlessly. This is empathically triply not the case for stadia games.