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For consumers, I don't see the point in using cloud-based services for any regularly recurring stuff. You pay and pay, and as soon as you stop paying, the service stops and you're stranded.
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Again... who's "stranded?" Anybody who gets stranded because a cloud-based service stops or goes under isn't working smart in the first place. It's a bit silly to me that so many people seem to want to believe that people who use (and pay for) cloud-based services are all morons who couldn't
possibly know how to use such services efficiently, let alone wisely. Get over yourselves. It's OK if you don't want to use them, but please, please, please stop thinking you're the only ones who have their heads on straight regarding them. It's insulting. They're not evil. They're not inherently "wrong." They're just not
for you. Thankfully, the rest of the free world has no obligation to BE you.