It is not FUD. Even for a techie there's a decent amount of setup involved, not to mention the pain and cost of having to maintain an entirely separate computer

It is not FUD. Even for a techie there's a decent amount of setup involved, not to mention the pain and cost of having to maintain an entirely separate computer dedicated to video surveillance. I have my own poe setup and maintenance is just annoying in order to maintain feature parity with a major service. For a non-techie, it's not even an option. Also indoor cameras are not equivalent to outdoor cameras, especially in terms of cost. It is going to cost a few thousand dollars for a decent non-cloud setup.