So is Facebook.
Whenever you're not paying... you're the product being sold or you're the wally who is paying with data!
No. Anyone can use SaaS office products. You have to sign up for a Microsoft or Google account, but you don't have to store the data in the cloud. Just use the products and store the data locally where it can't be used by anyone but you.
And I have clients who've fallen for all the "features" and paid for them, but then discovered they don't really need or use most of it.
You don't seem to get it. G Suite and Office 365 are priced in bands, but the bands have little to do with features as you define them. Up-Thread I said that an O365 E1 licence is around £60 per year. That buys all the features in Office 365 except client based office software. If you already have MS Office, Open Office or Libre Office, this is all you need. If you don't need Office software and can manage well on the browser versions of Word and Excel, E1 is still all you need.
Only if you need client based software would you need any upgrade, but you can mix your licences on any tenancy. So, user who need client based SW to do the job they do would have E3 licences, other who only need to read and edit documents would have E1 licences. A business can tailor the licence provision as they wish and as they can afford.
You would only need to go beyond E3 licencing if you need things like Document Rights Management services or cloud PBX.
You speak of cloud based accounting software and the inability to integrate data with other software packages. If you have cloud based software such as SharePoint, you can filter and categorise all of your data using search by date, client (addressee), price, product and any other criteria you want. If you wish to nominalise your transactions, you can do it without the need to employ any accounting software at all.
This means that the accounting product you use to finalise the accounts can be basic, single user, cheap and cheerful. Just feed in the pre-prepared data and produce the accounts, or as many business do, just feed the data to an accountant.
If you're not aware of this I have to say I'm not impressed.
