Why does it say online banking, I want nothing to do with that EVER.

Are these internet things required or optional?  I dn not use QB through the internet

and feel I would lose a lot of the other features if I have to be bound to the internet.

I saw somewhere you can get a 2024 Desktop one.

What is the pricing for this now going forward?  will 2024 last only 1 year from the date I purchase 

the Desktop version?

Is it even affordable?