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Kali - Except that's perfectly possible with, say, Baen. You log into your account, and there are the books you purchased, for reading online or download. No cloud, no DRM. "Cloud" as applied to data is a buzzword for taking control of your content away from you.
And there are the other big drawbacks you note. If I want to store personal data online in some kind of "cloud", you better be encrypting it. Public/private key, with me in control.
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