Can rclone log in to cloud storage only when needed?

I was hoping rclone union has similar functionality of Virtual Volumes View (VVV), cataloging the content of the cloud storage and storing the metadata information somewhere locally.

This question is related to my previous question in (Is there anyway to let computer help us manage files in cloud?). Basically I would like to know if we would be able to use multiple free cloud storages for personal use without being misunderstood of misuse and got closed down.

Thank you minesheep for linking to the original question. I brought it up here since the question becomes related to rclone.