A few years ago Reclaim Hosting (which hosts my big blog) decided to increase protections against hacking, so if I try to refresh the blog in MarsEdit it shuts everything down for an hour, making the blog inaccessible to readers as well as to me as editor. I like using MarsEdit to back up my blog to my computer, but I can no longer to that. Similarly, we’re about to change banks because our current bank repeatedly declines to honor obviously legitimate charges, like purchases at our local grocery store. I understand the need to protect against fraud, but not to the point at which a service regularly becomes completely unusable.