On photos/documents, you are in a tiniest of minorities: ~99% of all smartphone users store photos in unencrypted cloud services like Google Photos and use Goog

On photos/documents, you are in a tiniest of minorities: ~99% of all smartphone users store photos in unencrypted cloud services like Google Photos and use Google Docs and MS Office 365. (But but chats are surely the holy cow and must be encrypted - strictly demand those same users, paradoxically) And no modern server stores passwords in plain text, and keys are not stored on servers at all.