It's not only about protection from hacking, it's often also about protection from access by authorities – in particular American authorities. Non-disclosure agreements, data privacy laws and attorney-client privileges are not compatible are simply not compatible with most hosted services, especially not abroad where your local law cannot protect your local legal obligations.
I think the people here suggesting things like bittorent sync and owncliud missed the commenters request, i. e. a personal cloud that works with all these other services. Owncloud etc are just clunky implementations of drop box that offer less uptime and features. They don't offer slick, out of the box integration with other apps/services
If you're ok with relying on obscurity, you already have it - you are one person among billions on this planet. Who else cares about your photos?