Perhaps I'm too cynical but one of the reasons I think online is so attractive to Intuit is once you are online, the only way to have access to your data in a reasonably useful way is to keep paying their fee.  We have to pay Intuit to be able to access our data - forever.  If I understand this correctly, this is a problem with SaaS.  If you cancel your Spotify subscription you can find somewhere else to access music - a risk worth taking.  If you cancel your Quickbooks subscription, you effectively lose all of your financial information which can shutter your business or cause other unpleasantness.