

Having used it in the browser, it barely works in a browser. >50% of functionality is simply missing. Pretty much only the very very basics of typing and formatting.
I also use libreoffice and actually like calc better than excel because python support ia a first class citizen for programming within the spreadsheet in Calc, but AFAIK macro spreadsheets aren’t very cross compatible, but I guess I work in engineering so every company I have worked with or for uses excel macros, probably not representative of other professions.





Outside of the US here: nearly every insurance company in Belgium (that are coincidently also the banks) are 100% scamming people and literally make their entire business model off of ripping people off as much as possible.
Using any and every excuse to deny people the insurance they paid for when they have legitimate claims is literally how they are “profitable.”