I agree, we used to have photo albums in cupboards, and they used to get burnt if the house burned down, or water damaged if the boiler broke, or even stolen. Now we have them digitally and we can back them up off-site. That's all the change I need with immich.
To fully encrypt them would just be inviting more problems.
This actually happened to me, without getting into the specifics, a family member with mental issues took all the childhood photo albums and burned them.
To fully encrypt them would just be inviting more problems.