I Hate Cloud Saves

So I played for most the night last night, leveling some characters and this morning when I started it up it told me I need to update my xbox to be able to use my save. The same save from my pc… So I lost my save because I had to discard it so I could play with the content I bought. The only other option was to not discard it and be stuck with one character because it won’t load it. Why must the saves be synchronized to the cloud? Is it because microsoft is a pain and won’t allow physical saves on our own pc? or is so you can cross save to the One? I don’t own an Xbox and being unable to access my own save without one is a pain. Everything else is golden.