That's the problem right there: Software As A Service. I suspect you're quite a bit younger than I am, and may not remember the old days where one would actually purchase a piece of software for a set cost, and use it indefinitely. Often new versions would come out, which might offer improvements, and you could pay for those (for what it's worth, that is at the *beginning*, not the end). This software would be installed on and reside in your own computer. Unfortunately, some years ago software providers realized that they had pretty much reached peak optimization of their products, and there were no significcant improvements they could charge for, so came up with the idea of basing everything on an Internet-verified connection that had to be paid for monthly or annually. Now, I'm perfectly okay with paying for an *actual* ongoing service, like Internet access, telephone services, power services, and the like. That is ongoing. But, in my experience, I am still happily using billing software, accounting software, and word processing software that I purchased years ago and still works. I would be glad to pay for an improved version, if it enhanced my productivity, but nowadays the only option is to transition to a subscription model.
Many years ago, my wife and I bought our house, and we paid off the loan a while back. Sure, I still need to pay real estate taxes, but I like actually owning my house versus having to rent something that can be pulled from me at any time by the person renting it to me. Same deal with lots of things, including software that I rely on.