I think the only right answer here is: it depends on use case.
Not everyone wants everything archived for potential future use. Some people not only want, but are also mandated by law to have an appropriate archive of their communications.
My point is that we should be able to figure out options for both and anything in between, where user has control over it. This is the important part. As a user, I used to be able to have some modicum of control over what happens on the machines I own and the data I send to others. Over the years, that control was slowly wrangled from the population under various guises ( cloud, convenience and so on ).
But instead of discussing protocols that would, hopefully, behave in deterministic and predictable ways, we discuss platforms and their pinkyswear promises not to do something.
It is a lot to ask these days, because a lot of people got really used to 'easy' and 'free' internet. And that is before we get to the technical issues you mention.