1. Turbotax Online is not the only product. You can still use Turbotax installed on your own computer. Only the delivery method is changing (download instead of CD).
2. With Turbotax Online, access to past years is sometimes locked out if you don't use your account for several years, but I don't know the current policy on this.
3. With Turbotax Desktop (installed on your own Mac or PC) only you have copies of your tax data files and tax returns. You are responsible for your own backups. If your tax files are being lost, that is a problem with your computer or hard drive, not Turbotax. Turbotax can't remotely delete files you created.
