It's important to emphasize something: iCloud will always be "backdoored", by design, and backing up to iCloud is what most users should and will be doing. The reason iCloud data will always be accessible by Apple, and thus governments, is not because Apple wants to make it accessible to governments. It's so that Apple can offer customers the very important feature of accessing their own data if they forget or otherw…
> When someone passes away, for example, it would be a terrible compounding tragedy if all their photos from their whole life passed away along with them, because they didn't tell anyone their password or where they kept the backup key. So Apple wants and needs to provide an alternative way to recover the account. (For example, they will provide access to a deceased person's account if their spouse can obtain a court…
But for bank account records, most photos, etc., you probably don't want those to disappear in the event of your death. You want those to pass on.
Given the choice between the two defaults, it makes a lot of sense for Apple to make "accessible to next of kin" the default, and "dies with you" the opt-in.