How about password managers?
I did pay for a one year subscription over a year ago for the LastPass PW mgr. A few times, I had been unable to access my bank accounts for a couple of hours because the passwords are not kept on the hard disk of my PC, but in a cloud somewhere or in one of LastPass servers. On top of that, LastPass files were hacked at a certain time last year and the fact that you couldn't access your passwords at will made me unsuscribe to that silly file management software before the end of the one year subscription.
Moreover, a subscription to LastPass is automatically renewed and it's almost impossible to cancel the renewal before the renewal time. What I did is I notified them that I had uninstalled their software several months before and I didn't wish to renew the subscription. They ignored my notification and tried to charge me a renewal but I had paid the original subscription with a prepaid debit card, and I made sure that there never was enough funds on it to have the renewal fee debited from it. In addition, the bastards tried several times to debit the card.
When I abandoned Last pass at the beginning of this year, I switched to the free Avast Password manager, since I had been using their free antivirus software. This software also does not allow me to have my passwords encrypted on my computer. In addtion, I was unable to use it once for some reason which Avast never explained.
In addition, with this software, you cannot open the app unless you are connected to a website. That's a bummer!
So, yesterday I replaced it with the free Dashlane PW Manager. This software is rather easy to work with and one of it's advantages is that your passwords are encrypted on your computer. So you can access them when you need them. It is well rated by several reviewers including one from the PC World magazine. With over 30 registered websites, It's a rather long job of copying the passwords from the Avast product to this new software and I still have a few to do, but I am convinced that it was worth the trouble.
Does anyone of the members have had bad times with password managers? You're welcome to share your experience.