I got caught out by exactly this, and I'm not exactly tech illiterate. what made it even more annoying is by the time I'd realised what had happened, it was practically impossible to get the files back out of OneDrive (since I decided that this was enough Windows for me, and went back to Linux), since the webui does NOT handle downloading lots of small files well, and you just end up getting a partially complete zip…
iPhoto does this the best. Its default is to upload every one of your photos to its cloud and delete the original from your phone. Then if you want it back, you can just click on the one photo you want and like magic, it's back on your phone. Want it on you PC? No problem. Open the web interface, click the one photo you want, and there's even a download button.
Want all your photos? Oh. Well, you can just click each one of them then click the download button.
I mean, sure, there's also this icloud app that will slowly download your entire photo collection into a single folder on your computer, slowing down the entire time before eventually grinding to a halt by the time it has put 10000 of your 250,000 photos into that folder. Of course, you can restart it, but it'll start again at the beginning.
But yeah, that's the business model. Put your stuff on the cloud, make it hard to get it back, charge you to keep it there.