I have almost no physical photos. I have maybe 10 physical photos, total. I was pretty early on the whole digitize everything bandwagon. And have lost most of them before I got the hang of how to protect them from accidental loss.
Every now and then I want to take a look at one of the photos I've taken. I'll wind up spending a few hours going down memory lane.
Photos are a moment sealed in time. Young folks may not value them right now, but eventually they'll value them more.
I'm an untrusting old curmudgeon, so I store my files locally, for the most part. Folks storing them online? Either they'll get burned and lose them, or not.
I have a ligit account I play with.
However, you can play in offline mode using Prism Launcher. Doesn't require a Microsoft account. If you put up a personal Minecraft server, you can disable account checking. I've never tried it though.