A vault app that holds your photos on its servers has a bill every month. One that holds nothing does not. That single fact explains most of the pricing in this category.

US list prices, September 2026.
If an app stores your photos in the cloud, the developer pays for that storage every month, for as long as the photos are there, whether or not you ever open the app again. Plus bandwidth, plus servers, plus someone on call. Those costs recur, so a recurring price is not a trick.
An app that stores nothing has no monthly cost to pass on.
A subscription only gets paid if you stay. A one-time purchase has already been paid, so nothing funds next year's OS update.
The question is what happens to your photos if the developer disappears.
AlterVault exports at full quality any time, and the whole library writes to one encrypted backup file you keep.