Nintendo and Sony charge for cloud storage. Xbox Live does not but the PS4 is the only console that will let you transfer saves via USB. They only do cloud storage. Being able to allow transferring between the console and USB opens up doors to the switch being hacked and cheating. V2 Switch's are only hackable via hardware mods while V1 Switch have an exploit in the NVIDIA chip that allows it to be connected to a computer and modded with software. You soft mod consoles with a flash drive. Nintendo hates piracy with a passion and that's why you can't transfer without the cloud and they got to pay people to work on that cloud service. Do I agree with the limited functionality of it? No but it makes sense to me.