The camera roll with iCloud photo library is now called "All Photos". Think of it as Camera Roll, but in the cloud. (Or just plain camera roll if you choose not to use iPL)
So in summary, iCloud photo library shows all photos in the cloud in the All Photos tab.
Saw someone trying to use a kiosk at the store to print pictures today. She didn't seem to be able to access all of her photos.
Really? Not everyone uses iCloud, clueless...