But loans are temporal. That's all that is happening – you're renting out software (akin to digital library borrowing), in some sense, not buying a product.
The problem is how to do it otherwise and maintain enough income to ensure continued active development for future updates.
I don't have a solution to it, and subscriptions aren't ideal, but that's the problem at least.
I love how this seems like a near insurmountable hurdle. Install an app?? On a phone?!
I have a relative who is ~85 years old; he uses WhatsApp. It's really not that hard.