The solution I've used for the last 2-3 years:

1. a cronjob on my android phone (via termux) does an rsync to a VPS

2. the VPS has a cronjob to sync everything with S3

3. the frontoffice tool for people to access those photos is my open source Dropbox like frontend that is bring your own backend: https://github.com/mickael-kerjean/filestash My wife and I got an account and family members can access it through shared links.

The S3 bill goes to a shared account so that If I die, the VPS will probably be quickly removed but S3 should stay in there with my wife paying for it.