well the difference is that the government won’t go oops you traded a stock, so you need to use premium for $120 and also shove sales and dark patterns in your face to trick you into buying premium. most others that were free usually charged to file state taxes or something or another too. definitely a win for the average joe, but it’s not the process that people are imagining. the IRS has pretty directly said that they are providing another option to people and not making other services obsolete.