After several discussions with other users, here is the bottom line.  First, whatever version of QB desktop you are running, you still be able to continue to use it for what you purchased it for - your business accounting.  One the persons I spoke with is still running QB2013.  He doesn't use any of the functionality that I love and that kept me upgrading every 3 years, but it still does what it was supposed to do, his business accounting.  Second, those of us that didn't upgrade in 2020 or 2021, we will be loosing all the online features that we use soon.  We will still able to use the desktop version we have, we will just now have to do more manual work.  Instead of using the banking update, we will need to actually login to the bank and download the transactions - it sucks, but we can do it.  When that stops working, we'll login to the bank and manually enter and match the transactions.  Again, it will suck, but we will be able to continue to use our desktop software.  Third, and I know their are folks out there at disagree, some software company will see the hole that Intuit has created and fill that hole.  Then many of us will be using something new.  However, maybe Intuit will understand that we do have options and we will not be blackmailed into "upgrading".  Maybe they will just come up with a price structure that fits the "update every three year model" and will all live happily every after. Maybe?