Yes, and the only practical answer is to consider how many of these subscriptions you actually need. For instance, I see no reason why a password manager should be a SaaS. I don't care how long these companies have been around thusfar; in my opinion, using a password manager as-a-service is asking for trouble and is a waste of money. The closer you approach "perfect" security, the more of your personal security you e…
A large chunk of the world lives in the cloud, whether its Azure or AWS, there is an enormous amount of infrastructure that is sitting in the cloud as a service.
For many a SaaS password manager is better security for them than what they're doing now by remembering all of their simple passwords. Many people don't know how to use Yubikey's and the sort.