There is an entire generation who have grown up with the cloud and just see that as the default because it is.

Which isn’t to say that everyone in that generation thinks the cloud is the sensible way to do it or that prior generations didn’t (it wouldn’t have “won”).

My boy only understands what a file system is because I explained it to him, all his tech (with the exception of his gaming PC) might as well be magic black boxes for the amount of understanding he has on how it works.