Mac

Likely not, the thing is that most of the big cloud providers definitely have a networking team and it definitely monitors for bittorrent traffic. The thing is they will monitor but until they get a DMCA you normally don’t get popped. However, some providers are more finnicky than others and will disable you immediately if you use 6881 w/o encryption. The key really is not to get a DMCA and not use default ports.

This is true for most providers but not the big big ones. Ask me how I know ;)

You would need to host your own or join a matrix server. The benefit of Matrix is you can tie in puppets to things like iMessage, Discord, FB Messenger if you host it yourself. Another option is Beeper (Matrix + all the puppets for other messaging apps) but you still have to sign up and get an invite from them to join for now.