Uploads VS Storage

Uploads VS Storage

In the Basic paid Forms Plan it states there is 500MB of storage. However in the upload limits set on the forms uploads it says 20MB limit. How is the upload limit different than that storage limit. Should't I be allowed to accept uploads that meet my storage requirements, Especially if it integrated into Google Drive? Am I required to upgrade my Zoho account in order to accept larger files? If so is it the whole Zoho account that requires uopgrade? Or the forms account that requires upgrade?