iCloud photos won’t sync to my phone after update

Yesterday my photos just started disappearing from my iPhone. I didn’t make any changes other than download the new software. Also, my photo folders are gone (not the shared ones). I have already tried:

1. Clicking on and off iCloud photos in the iCloud folder
2. signing in and out with my Apple ID (yes it’s the same Apple ID that has my iCloud photos)
3. I have over 40,000 photos and 2TB of storage on iCloud. I have plenty of memory.

Any ideas? I need these photos on my phone - which is why I upgraded my storage.

Thank you