Simon, I guess here's my argument as well. On a locally installed instance I 
can firewall the heck out of the server to only my IP address is, and other 
various security measures like that.

If I posted in the cloud on the shared server, I would suspect that has to be 
more wide open to the world because you don't know where all people will be 
accessing the server is from. Is this a. Incorrect assumption?

I would also assume that on the cloud system all data is stored in one master 
database which if it were hacked for some reason would allow access to 
everyone's data as opposed to only a subset on the hacked system.

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