This week, I lost an argument with my accountants about this. They provide me with my tax forms as links to a Microsoft Cloud file, and I need to have a Microsoft login in order to retrieve these files. This policy - and a prohibition on sending customer files as email attachments - came from their IT team, and it was in response to a requirement imposed by their insurer.
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The problem here isn't merely that I must now enter into a contractual arrangement with Microsoft in order to do my taxes. It isn't just that Microsoft's terms of service are ghastly. It's not even that they could change those terms at any time, for example, to ingest my sensitive tax documents in order to train a large language model.
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