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!!!