100% agree.  Great, you want to increase security...give me the option, don't force it down my throat when I don't want it.  It's as if QuickBook engineers sit around all day and ask "How can we make use of the program even more cumbersome than it already is?" instead of dedicating their time to fixing long standing issues like downloaded transactions showing up twice.  This has been going on for a year and nobody ta QB could care less.  I recommend to everyone I speak with to use anything but QB.  The only thing they are efficient at is price increases.  This program was $20/month when I started using it, now its $60+, cause you know, inflation has been running at 200% the past decade...