I guess the millions of users who uses Mint and Quicken are idiots. I assume you go to the physical bank and deal with physical cash then. No online banking for you? I’m not as tin foil hat as you are.

Not all software have to store their data on the cloud. You’re trying to make it all or nothing while in reality, it’s not even close to that. Even with Windows 8 and all their apps coming from the app stores, the MS Word docs I created can either be on the cloud or on my local computer.