I have the same issues. I came from mainframe programming. I hated the fact that my data could be removed from their storage locations by others. I had several months of work erased on the whim of a "person" who did not like me. The thought it was funny, but he was not laughing after the person in charge of the computer center got through with him. I had to replace all the software and other files from hard copies. There was not backup system back them. SO, if someone decided to remove your data from the system, all they need is IT access to the drive where it is stored. This could happen by accident, or on purpose. But it could happen. Where would you be then?
Too many people act like "the cloud" is the best thing since sliced bread. They feel that since it is in a data center, their files are secure, and will be backed up every time they make changes to them. They rely on "the cloud" to have what they need when they need it. But it never really works that way. When the storms went through the east coast of the USA a few months back, it your data center was in an area hit bad, they could have been flooded out or at least lost power or had communication issues. Then your files would have lost or not accessible for some time. So "the cloud" it not great. Also, as far as I have read, if the US government wants to look at your private files on US servers, it is so much easier than if it was on a computer in your home or business. It is even easier if a European government wanted to look at those same files on a server system in their jurisdiction. SO, privacy is also an issue.
Sure, the cloud concept is a good one for certain markets, but it is not the best solution as the advertisements try to convince you about their services.
Then for the mobile devices there is the use of their data plan's fees to "allow" you to access your data. You can really start building up what you owe to the phone companies working with your "cloud" data, even if you have a so-called unlimited plan. We never hear of how much it costs to use the cloud with your mobile devices, not all of the costs anyway.
I am not an expert on this subject. I just know what I have read and my experience with centralized computer systems. Centralized systems is where I learned programming for. If you were a part of that industry, with all its failings, you would not thing the movement back to such a system was a good idea. People need to be told both the good and the bad of such services. You need to keep the bad in mind when you make the commitments to use that type of service. Then you would make sure that your files would be as safe as they can be, and keep an offline copy of these files "just in case".
example of "hidden" costs:
I remember an ad about unlimited online, automatic, backups of the data on your computer. They quoted under $100 per year. They did not have a app for my Linux desktop, so I started looking into finding such a service. Then it hit me, my data vs. my upload bandwidth. My 3-TB of data would take a year or so just to upload it to a online backup server. They never talked about the fact that you would never really be able to use their service as advertised with the current state of the USA market for broadband upload speeds. I could buy 10 times the external drives I would need as rotating backups for the price of the service I would need to get the uploading bandwidth I needed to use an online backup service.
So, with that thought, I ask you to look into all the costs of cloud services, money type and other. Then, and only then, should you decide if cloud based services are the best route for you and your needs. This is even more so if you involve your business and its data. You need to think it through completely.