I'm really not talking about myself. Really. I don't know how many times I need to stress that.
Point is that the average consumer does not expect to have to pay extra for a feature they probably don't even understand. Especially if they have paid "a shed load of money" on a phone.
Well just because you echo an opinion thrown around loudly a lot, doesn't mean you're talking about the 'average user'. The average user doesn't know what the feature is and Apple could do a better job explaining it. But 5GB is enough to demo the service and manage for most people. The problem comes when someone hasn't bothered to follow up on the 'iCloud Storage Full' message. It's an education problem, not a problem with the service. And besides, it's a service, not a right. Plenty of people back up using their computers too. Plenty of people also know that their contacts etc on iCloud are fine, their work emails are stored on a server and they either don't care about other stuff on the phone, or assume that IT have them covered.
If a user doesn't want to pay for a feature they don't understand, that's fine. As I said, Apple could probably do a better job of explaining it. But most people are wilfully ignorant of warning messages and just tap to ignore them. But let's suppose Apple educated people about the service better. Now the customer understands it and is demanding more for free. 79p/99c a month for 50GB to keep all your photos and contacts safe is nothing and no one is forcing anyone to pay for it. And really, thinking about how much the phone cost and all the time and effort put in to gathering the photos and contacts etc on there, it's simply stupid idea NOT to pay for the 50GB storage tier. When someone loses all their stuff, they'll suddenly realise that 79p/99c service is something they suddenly learn the value of. If you choose not to do it, or even to share your Apple ID to give friends and/or family free stuff (again, nowhere does it say you have there right to not pay for software just because someone else would like it too), then your free 5GB is going to get eaten up pretty quickly. And again, it's not Apple's problem.
If a user is informed and educated and chooses not to pay for that feature, then they don't get that feature. It's not really that hard. Stop thinking people have a right to free stuff just because people would REALLY like free stuff.