I hear you but caution against such oversimplification. Advanced Data Protection for iCloud is a thing. Our culture of cloud reliance is truly dangerous, but some vendors are at least trying to E2E data where possible.
There are big risks to having a cloud digital footprint, yet clouds can be used “somewhat securely” with encryption depending on your personal threat model.
Also, it’s not fair to compare clouds to wiretapping. Unless you are implying that Apple’s infrastructure is backdoored without their knowledge? One does not simply walk into an Apple datacenter and retrieve user data without questions asked. Legal process is required, and Apple’s legal team has one the stronger track records of standing up against broad requests.