[sd9]

The whole point of money is to pay for problems to go away.

No idea how good Zoho is, but if you can pay $X/month and never even think about the problem ever again, then that is compelling, and the value of that depends on the customer.

[kamaal]

That and of course- If you are using a tool to solve a problem. Your focus should be on the problem. If you are spending more time fixing or inventing the tool, than spending time solving the problem, then you are better off using a paid tool which takes care of all that helping you focus on the problem.