Sadly believe that is correct. I recently purchased the video doorbell, and I did so because I didnt have to rely on a subscription service (aka Ring), It did everything I needed without a need for anyone else. I was not correct in my thinking.
So once your system goes down, and you trouble shoot the crap out of it, and realize it’s not you, then you turn to the forum which you will find everyone really upset their service is in fact, down.