If the Cloud data is breached we will have a huge problem, so I think it's better and more secure to have the standard data on the local PC, and an (optional) copy in the Cloud. And yes that will restrict easy sharing with phone app, but security is more important for me (unless quicken gives a $1 million non-breach warranty). So: Provide option to store QLH data on local machine with (optional) backup in Cloud (besides current Cloud-only option).
