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> Why not deliver this as a desktop application that users download and pay for one-time?

Because when given the option, sellers usually choose more money than less money.

Anyone is welcome to create a competing product and take their margins.



And buyers choose less money over more money.

The one time purchase could have been, let's say, $20, but if I want to use it a couple of times, paying $5 per month might be a better deal. And you're always getting the latest version




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