This isn't just an Apple thing. iCloud was designed for mobile, and one thing I've observed about mobile OSes is that (so far) they treat user data with an indifference that is approaching contempt.
Mobile devices/OSes are for consuming and messaging or accessing remote systems as a glorified ultra-portable dumb terminal. They're not designed for creating or handling/storing important data.
Who else deletes your files with no ability to roll back? OneDrive allows it[0]. DropBox allows it[1]. Amazon allows it[2]. Google Drive kinda allows it[3].
The rest of your post is built on that faulty assumption ("everyone is just as bad"). I've proven that that is untrue, therefore your whole "but mobile!!!" justification is wrong.
Whether that only works with intentionally deleted files or it would help with the ones in this post that were deleted because of system error, I'm not sure.
Mobile devices/OSes are for consuming and messaging or accessing remote systems as a glorified ultra-portable dumb terminal. They're not designed for creating or handling/storing important data.