Apple does have a setting for regular, automatic, local backups. Though I wish they could do that while also automatically backing up to iCloud. My iCloud backup is under 5 but that’s partly because lots of stuff is already stored in iCloud. I think the real issue for a lot of people is when they have multiple devices, like work and personal phones and/or iPad or two, that all want to backup to that 5 GB. I always thought a compromise like the first 5 GB of a devices iCloud backup doesn’t count towards the iCloud storage. This solves the multiple device backups issue and still keeps a modest base amount of storage so people with just one device still have an incentive to purchase additional storage.