Re: No convergence
The beauty of the conversation is that we all can express our opinions and points of view, exchanging information and perspectives. :)
There is always a risk of losing data, one way or another. You say it can be hacked if it's in the cloud. But if it's stored locally, external hard drive, or old DVDs something can happen and you lose your data.
So, we all have to choose and make decisions about data storage. I choose iCloud because it works for me.
Companies like Apple, or Evernote have several datacenters distributed in different parts of the world, and they have backup datacenters.
When Apple launched the MacBook (called only the MacBook) in November last year, Tim Cook explained why it didn't have USB ports. It's a device thought for those who prefer cloud storage and don't have the need to connect anything to the Mac. It's a fantastic device, lighter and thinner than the MacBook Air. :)