Like most security related things on digital platforms, not everything can be insured.
You can be using a secure messenger, but if you use a keyboard or phone that isn’t, or have a friend who exports your chat into plaintext (and it gets compromised somehow), then that makes using that particular messenger moot.
As with Cryptomator, if the contents of your Dropbox are breached, despite using (non-SMS) two-step verification and a strong password, as long as you used a strong key to encrypt your content, it will remain as gibberish to the attacker, depending on what computational resources they have (or if they already have compromised your computer and have the key, like a government agency or something).
So in this case, the best thing to do is to create other backups on the cloud, offline, etc. (There’s a 3-2-1 backup rule about having one on your computer, on the cloud, off site, in an external HD, etc.)
The more secure and private you want things to be, the more expensive it becomes to maintain; fortunately, it has become cheaper over time. Cryptomator is a good example of this…