How to disable iCloud without losing data?
Macbook Pro 14" running Sonoma.
When try to backup, MacOS says folder myusername cannot be copied because it needs to be downloaded. It seems to think that my home directory is in the icloud. But it is not. It is physically on my MacBook's hard drive.
I want to completely divorce my MacBook from iCloud. But I am afraid to turn iCloud off in Settings for fear that it will wipe my home folder.
QUESTION: How to disable iCloud and any use of it by apps WITHOUT losing data.
[Re-Titled by Moderator]