Cloud or Server? It seems a lot of companies’ reputation were broken by clients installing their software on 2GB/1.5GHz servers with HDD, and Cloud will help at least getting a consistent measurable experience of the same product for everyone.
My personal pet peeve is the very short session time, after which you literally cannot use the form you filled, because someone was too lazy to implement a full session system to hold content or background relogin to not lose it.