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You are absolutely correct! I run a small business and do not need all the bells and whistles. I a live out in the country and do not have reliable internet connections. I do not need to be connected to my bank account. I was disgusted with QB's move to an online-only product. What I want and NEED is a desktop version that is a one time purchase with the option to pay to upgrade as my business grows and needs additional functionality. I am currently searching for another accounting product and will dump QBs as soon as I find one that meets my needs. And, if I have to, I still know how to use a pencil and paper folks!!!