Is cloud just a hype and still not ready to replace on-premise Windows Application and SQL Database Small Server?

Tags:
Cloud Computing
SQL Server
Windows Server
Is Cloud just an 'EARLY BIRD' Hype where Cloud and Internet 4G Technology still not ready to replace "On-premise Windows Application and SQL Database Small Server" in terms of Network Bandwidth Speed and Infrastructure Cost - just to fund IT Giant's R&D and Cloud Marketing activities - when real cloud will be available in 2018-2022 with Fibre-optics lines gonna affordable to even home users? (Small Home and Business Server Manufacturers will be soon record losses in its Retail Markets due to Cloud publicity).


Software/Hardware used:
Cloud, vs On-premise Windows Small Server
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