My girlfriend's iPhone has been complaining about iCloud storage being full with some cryptic lockscreen message and she has no idea what it's complaining about or how to fix it. The "just works" narrative is a lie.
If it's anything like my friend, it's because their phone has every single photo they've ever taken, it's set to do an iCloud backup, and it's over 5 GB. Very easy to do.
Or it is possible if someone gets a new phone and doesn't restore off the current backup in iCloud it will make a separate one which will go over 5gig.
To be fair most services have to force you to do something one you have ran through your free space.
If the default behavior is to keep uploading photos until shit hits the fan, then it doesn't "just work" does it? You need to be told when to start cleaning up photos from your iCloud and how to do that properly (eg without deleting photos from your phone, so you can still show them to your friends).
And my microwave door handle fell off the other day. That doesn't mean GE needs to include a disclaimer for that edge case in every 30 second advertisement, nor that they're liars because they fail to do so.
Tell her to turn off the total phone backup and do it to a laptop. Settings>iCloud>Storage&Backup>iCloud Backup set it to off. She will still have her photo stream if she leaves that on.