Perfectly said. 

I have use QB since 1998. Yes they used to send you a disk for each license you purchased. If you and your worker each use your own pc, you need to purchase for each machine. To your point, they sent you disk to install yourself and then have in the event you needed them. Then they stopped that in about 2010 and sent me internet downloads. 

now, in 2023, i just got charged against my credit card $849.00 for annual subscription! No they don't give you an explaination, because today they told me there isn't one, this is just there new pricing. 

So if I want to keep them, its $849.00 annually, plus the add on they call it of desktop enhanced payroll and that is an extra flat fee monthly of $50.00 per month and then $5.00 per workers name each month, so thats about $180.00 for me per month. When it use to be a $350.00 per year, and again to your point I DID NOT HAVE TO BUY A NEW PROGRAM DISK EVERY YEAR. IT IS PRICE GOUGING, and part of becoming a third world country.