Thank you. Exactly. The term "cloud" is just code for "someone else's computer" and as you say, there's very little that cannot be done without it. And once you entrust your data to someone else's hardware, all you really have are assurances and probabilities that what you expect will happen with it becomes what actually happens with it. No guarantees.

And you pay for all this, monthly, until the end of time.

I don't blame anyone that wants to go that route, I use a freebie bit of cloud for phone photos myself, but anything of more import, nah. More "cloud" for everyone else, I suppose, because they can have my share.