Oh, because maybe the bank isn't offering me a service I want at a price I'm willing to pay? See cousin posts for particulars.
I see you take after your namesake. You're badly informed if you think credit union accounts are free.
Your "surmises" reveal much prejudice. I have an assumption of my own, but I'll be explict about it rather than make you think about it: how's your Tea Party member card serving you?
As a citizen, you and I have a dog in the fight. Laws are on the books prohibiting things for no good reason, making our fellow citizens with appetites different from ours outcasts. As a taxpayer, our resources are being squandered attempting a goal that is demonstrably unattainable.
So unless you're in favour of being mean and wasteful, you're got a stake in this.
It's a shame there's no online equivalent of a snort of derision. You're a fool to think the differences trivial, and I wouldn't trust any of my data to you. If you have a boss, the organization would be better off with you fired.
That you have not had problems so far is not debian's fault, or yours.
Or do you read and subscribe to every one of the 2500-odd release-critical bugs and determine that they don't apply to software you have installed? I'm trying to imagine such an unhappy life, and eeeeww. If this is your life, I'm sorry.
Pay no attention to the troll, it lies. I notice you said this was personal, as in, not a non-profit. Anyways, non-profits have no lesser need of stability.
Debian's testing branch is something that they are, well, testing. As in, they're not sure it works. One offhand combination of installing scheme9 and apache-mod-lisp could bring things to a grinding halt. If anyone other than yourself is expecting it to be available in the morning, use debian stable. Heck, if you'd like it to be available in the morning without being up part of the night, use debian stable.
As for the CLI, I've got news you might think bad, but it's not. Administering a LAMP stack without basic familiarity with a shell is like using a web browser without knowing what a scrollbar is - you may be able to do stuff, but not a lot, and not well. The tools that debian includes are command line oriented (as in, no webmin) because point-and-click interfaces require pointing and clicking, and are truly resistant to automation. Automation makes life easier, freeing up time better spent with wine and women (and/or moonshine and men, depending).
The good news is, shells are not terribly difficult to learn the basics of, though it is possible to go into very intricate depth. If you settle on bash, I recommend visiting http://mywiki.wooledge.org/BashFAQ once in a while.
Why? Some of us have working memories.
Microsoft would love nothing more than to lock out other operating systems at the hardware level, and the bootloader is the critical first step. Why isn't 55% of the computing world using BeOS? Because MS controlled the bootloader via OEM contracts, possible only because of their monopoly position.
"I once preached peaceful coexistence with Windows. You may laugh at my expense -- I deserve it."
--Jean-Louis GassÃ©e, CEO of Be
I believe the reason we will have to fight OEMs is because MS will tell them, "Unlockable UEFI? bulk rate = $35. Locked? bulk rate = $22
As for the phones, what monopoly has Google ever had on the phone market?
"Plastic gun. Ingenious. More coffee, please." -- The Phantom comics