[dylan604]

I too do not begrudge someone trying to make a business model work, and I'm happy for anyone that uses that model to stop using the same username/password combo for everything. However, due to the sudden and unexpected loss of all income thanks to pandemic, I have totally given a re-think to my old saying of just throw money at the problem. I'm now one of those old farts that looks past the "affordable" monthly fees to how much extra it's costing rather than owning out right. The big exception is if the monthly expense allows me to make enough money the monthly expense makes sense.