“So if someone gets your log in and password they will have access to everything you have saved? What could go wrong with that?”
That is one of my concerns. Another is the push by MS to advertise use of the cloud (clod) storage for a year without charge. After that cloud storage will cost. I have a cloud at home that I disconnect from my computer when I connect to the internet. It’s a USB hard drive that holds sensitive financial information as well as that which is mundane. A look at my account in Outlook and I marvel at the number of attempts worldwide by those who would access an email account! I change the password often on a whim in an attempt to thwart access by lowlifes.
The directions we are being driven towards by MS, Google and Apple are not conducive to privacy. Live apps running in the background? BS!!! Never mind the N.S.A.
I had a USB drive by Seagate. Two 500GB mirrored drives.
Then some disgruntled employee at Seagate pushed out some code which turned it into a brick. Lost everything on it.