Can you expound on what you would propose. My experience is that clubs or meetups often don't forge all that close relationships. Another example I could think of which is more positive is co-ops where people lived in a door room type experience with community rules and chore responsibilities (cooking, cleaning, maintenance). But I think many adult American's would think of a co-op as to close to a commune.
My favorite cloud provider is BitWarden[1], which I believe was the first cloud password service supporting hardware keys.
[1] https://bitwarden.com/