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Begs the question why cant there be a place you can put photos movies etc. that is just a folder on your hard drive .... just a place to keep stuff ...... without being a kind of browser on the net.... and probably gettable by a clever hacker ?
There is - you just have to use it, although Microsoft and Google would prefer that you give all of your documents to them. When you want to save a document, don't just use whatever storage location the application wants to use, specify where you want to save the document. If you can tell us which applications you are using (Microsoft Office 365, Google G-Suite, etc.), we can show you how to specify a storage location.