In a way I think of findom (a bdsm activity that involves control of finances) and Findom (a (toxic) bdsm segment that practices findom in a particular way) to be different things. Capital F Findom vs lower case findom. I do think most "dedicated" Findoms are online, but I'm sure not all. There are certainly findom-ish activities that pro dommes do, but even though the general description might be the same -- control of finances in some aspect or other -- there's a huge difference in the way it's done and the overall context.

All of that aside, I am in very strong agreement that sugar relationships aka arrangements are live and in person relationships. There are people who call their online interactions sugar, but for the general sugar community, we consider it more a form of online content selling just under a different name. We dress up the terms, but the "sugar" refers to intimacy (sex) and financial support (money). Not phone calls and pictures. But that's a whole side argument