@mactoolsix Sorry for the delay…
That’s an expression for “self-hosting” your own Bitwarden server… “default-cloud” is when you just use the “usual” Bitwarden cloud.
Regarding your login problems with your iPhone… I would suggest to you, having a look into this post: "I can't login" - Some tips for login problems/issues
BTW, I’m not exactly sure how you meant that:
Do you two share one Bitwarden account? Then just FYI that you maybe better set up a separate account for each of you, as “sharing one account” is against Bitwarden’s “Terms of Service - Account Terms”. And probably - as passwords shouldn’t be reused 
- you two should have an individual and unique master password…