More ad hominem, mea culpa maxima.

I will endeavor to attain enlightenment. But you did say, in so many words, that we never needed to send someone a file. Last I checked, we were sending files to clients and service providers all the time, in large volumes, and there is no obvious, economical, readily available alternative. If you have one, you could make a fortune, literally.
You are still not understanding the concept and what I'm saying. What you are doing there is sending information. You can do so in many formats: put it in an e-mail, tell them in person/on the phone, link to it, etc. In your example you've opted it to be a file (a pdf, Excel sheet, etc.). It is not about the format.
Nobody ever requests a file because if you sent them one they'll complain about the format (try sending someone a file without a file extension) and/or the information that is missing (sending an empty file or one with whatever content would fulfil the request of sending a file). What they want is the information and they want it in a certain format, say a pdf, a Word document or as an Excel sheet. If a customer wants the latest invoice then they'll request that. Some want it digital and usually they want it as a pdf e-mailed it to them but some still want plain old paper.
There are many many alternatives that are readily available. One of them is right in the front of your eyes. One that you used to post the above information. It's both the internet and both the forum software. We have e-mail, instant messaging, blogs, hyperlinks, online videos (used a lot for videos, howto's, etc.), wikis, Sharepoint, blackboard and so on. All different ways of dealing with information and sharing them with none of them using files as the main format to share the information. So no, you can't make a fortune with an alternative to files because there are too many. You can make a living out of it. If you want to make a fortune you should become an information analist or specialist. That would be the person who helps a company with their data flows including how to store and share information within and outside the company.
I doubt Apple does things Microsofts way. That is all. Except that Apple would store it in a better location.
It's not a Microsoft way, it is how IT is right now. "There's an app for that" is Apples very own slogan

Microsoft is only following now since Satya Nadella is CEO by turning a lot of things into server based (Office 365 is the best example one can think of; SharePoint, Exchange and Office as we endusers know it is all part of it). Apple has similar solutions but only tailored to endusers (Pages, Numbers, Keynote are part of iCloud but there is no OD in iCloud or any other part of OS X Server).
There are a lot of similarities but the main difference is that Apple sees every device as different whereas Microsoft thinks they can all be united with 1 OS.
Not even when Tim Cook said, "This is our clearest vision of the future of personal computing."? Not the iPhone, not the Apple Watch, not the Mac, but a gigantic iPad Pro. I'm still really having a hard time swallowing this.
A computer is not the same as computing or vice versa. When we talk about computing we mean desktops, notebooks, tablets, smartphones, smartwatches and whatever is to come. In some cases personal means "person"/"consumer" and in other cases it means "intimate". The latter would mean intimate devices like a smartphone, tablet and smartwatch whereas the former can mean any device you use for computing. Something like "personal computing" is not really technical terminology but more terminology from the marketing department. So yeah, nobody really knows what is meant by "personal computing". It is too vague.