A couple of years ago Microsoft bought the SwiftKey keyboard app (for iOS). Recently the other shoe dropped: they introduced a requirement to be logged in "for data backup", you get a banner on top of the keyboard that cannot be permanently turned off.

I am so tired of this relentless user-hostile push for accounts, logins and pervasive tracking.

Apple is very strict about keyboard extensions so I am surprised it is allowed. They require it to be functional even if you don't allow any data sharing back to the app, let alone a cloud account, but I guess banners make it past?