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I wasn't even thinking about cloud products for personal use, just services like AWS and Azure. You're right that those are a different beast, not everyone wants to learn how to DIY and they're in an environment hostile to doing that anyway. It's disappointing in that it's backsliding on the promise of personal computers, making users more dependent rather than less, but using them is a reasonable choice for a lot of people. Vendor certs like MSwhatevers are anticredentials though. Waving them around is a good sign you don't really know what you're doing.