First and foremost, I'd like to thank you and guitarrmi for sharing feedback regarding this matter. I want you to know that your voice matters and I completely agree with what both of you said. There should be a more secure and seamless way to use QuickBooks Online.
This isn't the impression that I'd like for you to be left with. The updates and changes to QuickBooks are largely the results of feedback provided by users, just like yourself. That said, I'm making it my top priority that your feedback reaches our engineers and make them understand the urgency of this matter. After all, enhancements and improvements to QuickBooks functionalities are largely the results of feedback provided by users.
Please don't hesitate to touch base with me here in the Community if there's anything else I can do for you. I assure you that I'll do my best to help you out.