Of course this is deliberate. But remember, Apple knows what's best for you. Your photos were designed to be stored in iCloud, your wallet was destined to pay for more space, that's just the way it is, I don't see why so many people are upset at Apple for protecting them from themselves.
Look, if you were to download all your images to your hard drive, flash drive, etc., when that device fails, you wouldn't have any of your precious memories backed up. Or lets say you backed them up to your dropbox/Google Drive/OneDrive/etc account, then when your insecure non-Apple account got phished, all of your precious memories would be gone. Apple is just protecting you.
Besides, it's helpful to remember that these aren't really "your" photos anyway, they are Apple's photos that you took for them. You should just be grateful that Apple lets you view them on any of their approved devices that they will happily allow you to borrow for a modest four digit fee.