> If they care about privacy, they can rent cloud instances in order to setup, run, close and it will be both cheaper, faster (if they can afford it) but also with no upfront cost per project. This can be done with a lot of scaffolding, e.g. Mistral, HuggingFace, or not, e.g. AWS/Azure/GoogleCloud, etc.
I'm a somewhat tech heavy guy (compiles my own kernel, uses online hosting, etc).
Reading your comment doesn't sound appealing at all. I do almost no cloud stuff. I don't know which provider to choose. I have to compare costs. How can I trust they won't peek at my data (no, a Privacy Policy is not enough - I'd need encryption with only me having the key). What do I do if they suddenly jack up the rates or go out of business? I suddenly need a backup strategy as well. And repeat the whole painful loop.
I'll lose a lot more time figuring this out than with a Mac Studio. I'll probably lose money too. I'll rent from one provider, get stuck, and having a busy life, sit on it a month or two before I find a fix (paying money for nothing). At least if I use the Mac Studio as my primary machine, I don't have to worry about money going to waste because I'm actually utilizing it.
And chances are, a lot of the data I'll use it with (e.g. mail) is sitting on the same machine anyway. Getting something on the cloud to work with it is yet-another-pain.
> suddenly jack up the rates or go out of business?
There is basically no lock-in, you don't even "move" your image, your data is basically some "context" or a history of prompts which probably fits in a floppy disk (not even being sarcastic) so if you know the basic about containerization (Docker, podman, etc) which most likely the cloud provider even takes care of, then it takes literally minutes to switch from one to another. It's really not more complex that setting up a PHP server, the only difference is the hardware you run on and that's basically a dropdown button on a Web interface (if you don't want to have scripts for that too) then selecting the right image (basically NVIDIA support).
Consequently even if that were to happen (which I have NEVER seen! at worst it's like 15% increase after years) then it would actually not matter to you. It's also very unlikely to happen based of the investment poured into the "industry". Basically everybody is trying to get "you" as a customer to rely on their stack.
... but OK, let's imagine that's not appealing to you, have you not done the comparison of what a Mac Studio (or whatever hardware) could actually buy otherwise?
To your second issue/question, all the cloud provide CMEK services/features (for many years now).