Thinking a lot today about how the blurry distinction between a modern app and a cloud service, by sheer virtue of the way computers work now, has made life very difficult for small, consumer-focused developers.
It is very rare that an app can be made without a cloud service component anymore. Most of the utility of modern computers comes from being “connected” — and this is especially true when you become a developer for a whole platform, like, say, all Apple products.
Apple offers cloud solutions that let you associate data with users’ iCloud accounts. These are cheap or free, depending on what you’re doing.

They’re also rarely enough.
Multi-device connected app dev involves ephemeral foreground presence. Heavy fetching or data processing is hard.

If you need to make 12 API calls per user each half hour, Apple doesn’t give you the background time to make that happen. You’ll need a server.
This is a perpetual cost to you. You will need to pay for this indefinitely. But your users want to pay once.

And you can’t fund an app through its growth alone. That’s basically running a Ponzi scheme on yourself.

If you need the cloud, you wind up charging subscriptions.
You can follow @NathanBLawrence.
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