Even that isn't generic and broad enough. I've noticed so many people mean SaaS when they say cloud. That isn't even a hardware or server or infrastructure mean

Even that isn't generic and broad enough. I've noticed so many people mean SaaS when they say cloud. That isn't even a hardware or server or infrastructure meaning. It's referring to a whole cohesive IT product that you subscribe to. Actually I'd say "cloud" says more about the business model than it says about the actual product.