I just thought of a possible workaround, which might not be fit for every need but it’d suit any installation, regardless if one is using nginx, apache, etc:
an ACF file upload field / file manager that uploads files to a GoogleDrive, Dropbox or other cloud storage directory via WordPress but without using the Media Uploader, thus not uploading said file in /wp-content/uploads folder.
However it should give a mean to retrieve the file by an admin or someone with proper rights from frontend or wpadmin
