Internet = stuff in the cloud.
Even a humble surfer is already there.
I work with business customers. Totally different. There are many layers of security involved, and the cloud is not anymore risky than any other connected enterprise.
When your customer or partners are online, then it makes sense to run in the cloud (meaning, you business is ALREADY on the Internet), because a single point of failure at your business on premises location can stop it entirely. A business using assets in the cloud does so for this very point—no single point of failure—you pay the cloud provider to give you redundancy and survivability.
I would say humble surfers shouldn’t need the cloud—except if your backing up to the cloud, which is very mch a good idea.
(ps: if I were king, malicious hackers would be hanged ;-)