Furthermore, what about ALL the times my internet connection is inoperable?.. 

We are located in a suburb of Chicago, IL (you can send your "I'm sorry's" later) Nowhere is the internet consistent, even with Comcast or Verizon...

Everytime I have to send login information over the internet, is one more opportunity for some hacker to steal my security login information..  

Forcing QB users to login in o ver an internet connection is very bad policy.