Do we need Service Level Agreements (SLA) for cloud computing?

This is the term of service from Skype:

http://www.skype.com/intl/en-us/legal/terms/voip/

I am not a lawyer but my poor English tells me that if anything does wrong, you are on your own.  Did I have any misunderstanding?

Microsoft has a better SLA but is it the best we can get?

What is the best SLA that you ever have with cloud computing?  Can you please share your experience?

Yours sincerely,

Andrew Chan.

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