For at-work projects, I don't want to/don't have the bandwidth to be responsible for developers not cleaning up after themselves or exploding DynamoDB with a million write requests or whatever. My team has not yet demonstrated that they can self-manage cloud dependencies and I don't have time to do it for them.

For personal projects, having to futz with Pulumi--and, I should note, Pulumi is the one I like--just to write some code on top of a web server just really sucks. Iterating on a heckin' cloud template just to be able to write some code sucks. Waiting (and as somebody who works on devops projects primarily at work, I am very familiar with how long one waits) destroys motivation to work on anything, both at the start of a session and in the middle--like, blowing away all those dependencies when I need to reset takes way longer than `docker-compose down && docker-compose up`. I am also incredibly cheap for personal projects, because I cannot rationalize spending money on something I'm not certain I'm going to ship, and so I can't adequately ensure that AWS is not going to start dinging my credit card for resources.