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Um, I use the bank app that my bank provides, are you seriously asking this question?

You said:

Most of can do that without the cloud.

Using the bank app that your bank provides IS using the cloud. The Cloud is a server sitting on the internet accepting API calls from applications from the internet. So what Averagenerd81 is trying to show you is that no, you can't do that "without the cloud" - you need a cloud server accepting api calls on the internet. Without that, you cannot use the internet to check your bank.

So by using the bank app that your bank provides you are using the cloud.

You are wrong by saying "most of can do that without the cloud" - you can't.
 
Anyone using iCloud "Documents and Desktop"? Did you have a lot of trouble during this outage? Especially with "Optimize Mac Storage" enabled I could see it being a disaster. At least something like DropBox ensures you have local copies all the time. With iCloud and especially with the optimize option you never know if something's going to already be on your device or not.
 
The issue I am experiencing is that shared folders no longer pop up in Files, but are still visible on the Web.
 
You said:



Using the bank app that your bank provides IS using the cloud. The Cloud is a server sitting on the internet accepting API calls from applications from the internet. So what Averagenerd81 is trying to show you is that no, you can't do that "without the cloud" - you need a cloud server accepting api calls on the internet. Without that, you cannot use the internet to check your bank.

So by using the bank app that your bank provides you are using the cloud.

You are wrong by saying "most of can do that without the cloud" - you can't.
Without Apple cloud, better?
 
Anyone using iCloud "Documents and Desktop"? Did you have a lot of trouble during this outage? Especially with "Optimize Mac Storage" enabled I could see it being a disaster. At least something like DropBox ensures you have local copies all the time. With iCloud and especially with the optimize option you never know if something's going to already be on your device or not.

Normally, synching files is instant, but this morning. and yesterday evening, I was seeing the cloud symbol in Path Finder next to the file after saving for some time. I also experienced delays in uploading files to shared folders for two days, and shared folders appearing in iOS Files on those users that I share to.
 
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