from the point of view of using an application?

I have applications on my PC that I use. They need no connection to a server or the internet to work. Ultimately, I could even set up so I don't need an electrical connection either.

This is the problem. You expect people to go from something they can use without reliance on any connectivity, to a system that requires a connection to work. And, in the process, loose the ability to do the things they could on the old system.

This is also not just about business. These changes affect all computer users, whether at work or home. I and many others use more complex software at home than we do at work.