Imagine a freelancer whose only copy is a laptop and one synced cloud folder. The dangerous single point isn't the cloud, it's the one account. I grant RoberRed's point about clustered outages and suspensions, but the ethical fix is layering: MFA, recovery codes, a second provider, an offline drive. Utilitarian math still favors cloud because floods, theft, and dead drives are far more common. Deontologically, warning people off their best backup without a better option fails a duty of care. Virtue says prudence, not purity. But is it right to call the cloud itself the failure? No. Concentration is a practice risk, not a property of cloud backups.