Exactly. Unfortunately for casual users (non-nerds) dropbox is still much easier. Seafile is almost an easy drop-in (ahem) replacement for Dropbox (enables you to host your own server too, or use a commercial provider). Also has better sync engine than OwnCloud/Nextcloud (last time I checked).
RE: Dropbox is phishing for your computer's password
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Dropbox is phishing for your computer's password