At the point I access a form I am utilizing Lacerte's product to calculate and populate a form.  At that point I acknowledge they've provided me a service and I expect to pay for it.  If they don't charge at that point what would stop a user from using their product to calculate and then use a cheaper and inferior product to actually file my clients' returns?

They're abiding by the terms I agreed to when I signed on with them and I'm okay with that.