It's not 'out of touch'. It's paying for (if it comes to that) a service that houses all of my business accounts, investment accounts, personal accounts, etc, and all with a pretty damn good track record. As with any technology, you must constantly evaluate it to see if what you are spending is justified for the service you are receiving. If at such time I feel the service isn't worth the price, then sure. As of now, it's not really an issue to me.