That’s misleading, Apple goes through pains to keep data on the device, or limit their exposure. They don’t store your transaction history for Apple Pay, and I

That’s misleading, Apple goes through pains to keep data on the device, or limit their exposure. They don’t store your transaction history for Apple Pay, and I believe the same is true for HealthKit. iCloud backups are a glaring privacy issue but you can also manage your own backups locally.