Ie: authentication with dropbox/proton/bittorrent concerns only that you pay your storage/ingest/egress bill, but is otherwise unprotected and in the clear. Encryption of the file payload and metadata as a "bring-your-own" — on device — stream cypher (and key derivation, key management). Key exchange and sharing among devices or users might then use yet another service or mechanism.
Pretty sure presenting all that in a slick easy to understand way has significant challenges, but it would be great to alleviate some of the dropbox as a single point of failure.