I'm interested in your opinions. I rent services from a very reliable and inexpensive server provider. They provide SQL Database and MSAccess database storage and retrieval in a secure environment. Why do I need a 'Cloud Service Provider', e.g., Microsoft Azure, in order to provide online database access to my users, when I can readily program web pages, desktop PCs and Android phone apps to access the data? Is this just another marketing ploy to rake in more cash, or is there something that I'm missing here? I take it that the Cover California and other Affordable Health Care Act websites tried to use some sort of 'Cloud' based data server that failed to scale up properly. What are your thoughts?