My gf doesn't have iCloud. She makes a backup from time to time by connecting her iphone to her macbook, encrypts the backup folder with 7z, and then I store the resulting file in my dropbox.
I follow the same procedure with my Android phone, no google cloud.
BTW anything I upload to Dropbox is encrypted first.
In case you don't already know, if you don't encrypt an iPhone backup with macOS first the backup won't contain _all_ of your data.
Apple says "Encrypted backups can include information that unencrypted backups don't" however the list they give is non-exhaustive. You might find yourself disappointed when trying to restore a non-encrypted backup that you've encrypted yourself in a disaster scenario.
Because I dont own anything Apple, nor anything that doesnt give me full control over my stuff.
I assume that instead of educating me on how the backups are in a user unreadable format, you chose to make a snide remark and leave me to guess the truth.
Why would anyone trust a backup they cannot read themselves in an emergency?
Apple basically already has this built into macos - you can create an encrypted disk image and mount it to access the files. I'm not sure if it is possible to open these on ios.
As a solution to never have unencrypted files in iCloud.