Nope, it's not about that. Skype can, if you're not running behind a NAT, make you a supernode, and in that case you will be routing calls between NAT'ed hosts "on your dime". Basically, it may be that you contribute your bandwidth to calls that have nothing to do with you. Presumably this isn't the case in the "cloud based" service, where the some server would act as a gateway between NAT'ed hosts.