This is the whole purpose of encryption and security. Ie no one can read. If data is important. You should have backup somewhere else.
Yep. Problem is Xiaomi is not expecting users to hold super impt info in the sd card or to even use the phone as corporate phone[got blackberry]. They just targeting mainstream users, hide unglam(wink wink) photos or videos or basic documents only. Different market i guess but if enough support, the devs will consider to allocate resources to setup encryption for sd card.