> What other networks do homes have? Every WiFi ISP router I have used provides a single network and DHCP server. Perhaps some routers provide both a public and private WiFi and the consumer doesn't understand which one they should pick but that is the fault of the ISP.

Think of times when your phone might not have connected to WiFi because you just got home, or are in some random dead spot. Or it just... isn't for a moment.

From the perspective of many consumers, without that always-available-via-cloud central point, it's then "broken".

Put it all in the cloud and so long as the phone and the device can get to "the internet" it'll be working.