I think that many of the pundits and observers of this trend spend too much effort promoting the upside of centralized computing. The cloud computing/tech giants have too much power/information/influence at this time. Putting the industry/world in a handful of corporations that can turn the spigot off at any time due to internal or external influences isn't necessary a good thing. Not everything needs to be on the cloud in the hands of a few computer (or credit reporting) organizations. Maybe because most tech people believe in the goodness of people and gloss over history and true human nature.