For your two specific product questions: > 1) Personal photos and videos backup and viewer. - Just give me a cheap cloud for backup and a desktop app for viewi

For your two specific product questions: > 1) Personal photos and videos backup and viewer. - Just give me a cheap cloud for backup and a desktop app for viewing. It sounds like you want a one time purchase for backup that lasts forever? I'm not sure who is going to rationally offer that service as there are ongoing costs. > 2) Personal budget - Just give me a desktop app that connects to my different accounts and gives me overview. At least in the US that means you have to directly work with banks (ala Quicken), use a third party service (like Plaid) or maintain your own scraping system that perpetually breaks and/or violates the bank TOS. Any of those options is going to cost the software provider ongoing costs. Again nobody is going to take a one time payment and be liable for ongoing costs. I do think there is money to be made in the right industry for desktop apps that charge a decent amount ($100 and up) and offer 1 year of updates and then perpetual use with the final updated version for that year of use. This incentivizes the developer to maintain security updates and make feature additions so users are willing (but not required) to pay again in the future.