Lakes form wherever water accumulates in a depression long enough to persist. Three fundamental domains host them.
Tectonic: Rift valleys (Baikal, Tanganyika, Malawi, Dead Sea), pull-apart basins. Glacial: Cirque tarns, paternoster lakes, finger lakes (Great Lakes, Finger Lakes), kettle holes. Volcanic: Crater lakes (Crater Lake OR, Lake Toba), calderas, maar lakes. Fluvial: Oxbow lakes, floodplain lakes, river-dammed lakes. Landslide: Barrier lakes (Lake Waikaremoana, Attabad Lake). Solution: Karst lakes (Florida, Yucatán, Dinaric Alps). Artificial: Reservoirs (Mead, Volta, Three Gorges), farm ponds (millions).
Clouds are suspended liquid/ice — not lakes (no basin, no persistence). But atmospheric rivers transport lake-equivalent volumes (Amazon River = 200,000 m³/s; strong AR = 500,000 m³/s vapor flux). Fog/stratus in coastal mountains (cloud forests) deposit "horizontal precipitation" — ecologically equivalent to lake input.
Definition matters: "Lake" = inland water body, persistent, stratified. By that standard, Earth has ~117M lakes >0.002 km² (HydroLAKES). Most small, unnamed, unmapped.