There is a big non-technical difference between the two sites. FT is a free-service with no information of inherent value about the user stored in their profile. EF is a subscription based service with sensitive information about the user accessible to one who has access to the logged in account. To me, the requirement to log in every time is a security feature I welcome regardless of whatever "back-end" technical issues there may or may not be. My online bank, credit card sites, AA.com, and other sites that hold sensitive information, do not offer the option to keep me logged in and will in fact time out and log me off after some short period of inactivity.