I don't think it's any of the things you listed.
I think the biggest difference is that cults (as the article mentions) generally are run by people who don't actually believe in what they teach. That does occasionally happen in established religion, but it is not common.
The other thing about cults is that they are mainly about the personal gain of the leaders, while at the same time requiring members to devote much or all of their money to the cult continue to be a member. This is unlike most established religion, which is generally giving is always optional and often more transparent (all of the religious organisations I work with supply full budgets to all the members). Sadly, of course, there are exceptions here too (but those exceptions often are heading towards cultishness).