I have the same issue.  Agree totally.  The move to forced subscription service everything is predatory in my opinion.   Smaller contractors like myself are fighting to stay alive and an extra payment every month is damaging.   Why can't I buy and older version like 2021 and use it for five years and then purchase a cheap update?   Nope, they seem to want full control of my productivity process.  Maybe that's their intent?  to limit free enterprise?