Who should not use cloud?

Who should consider avoiding the use of cloud services in the realm of cryptocurrency and finance? Are there specific individuals or organizations that may face heightened risks or challenges when leveraging cloud-based solutions for their digital asset management and financial transactions? Is it advisable for those with stringent security requirements or those dealing with highly sensitive data to steer clear of cloud platforms, given the potential for data breaches or unauthorized access? Furthermore, should small businesses or startups with limited resources and expertise in cybersecurity cautiously evaluate their cloud adoption strategies to ensure they do not inadvertently expose themselves to undue vulnerabilities?