Week 14 Muddy Point

My muddy point was about cloud computing.  What the heck is it?  I read the articles, watched the youtube video but still dont understand WHAT it is?  Will it take over the web.  Will we all just use our cell phones, computers, and just log on, buy some time and then we can do what we need to?  Is it like going to a coffee shop and using their wi-fi?  Is it only for businesses?  Really, really confusing to me...