What happened with Microsoft?

I know a lot of people have complained a lot about Microsoft for a long time. I didn't regard most of it as legitimate; for example, every state that piled onto the so-called "consumer" lawsuits against MSFT was home to a Microsoft competitor.
But I believe they've lost their way. Vista really sucks; I took my Vista machine back and snatched up the last XP laptop available at the store where I shop, and Dell now offfers XP machines again after complaints from consumers. (Vista didn't support my Outlook account from school; AOL; or iTunes. An MSFT guy said I needed to call Toshiba; the Toshiba tech was no help whatsoever. But the then computer industry has never been noted for anything other than awful customer service.)
Office 2007 moved a lot of features to strange places for no apparent reason. It's like dogs marking their territory sometimes. It will not open some files I get from school without crashing, a task Office 2003 had no problems with.
My latest fiasco is with Money Plus. I bought Money Home and Business 2002 for business purposes and found it really, really handy. Just worked like a charm. Then we got a new computer and when we tried to open up the Money file on the new computer it said we needed a password. Of course, I never set a password on the old file. I trouble-shot this on MSFT's website and read that I needed a slightly newer version to get around this. So I bought Money Plus Home and Business but got the same message. No password, no opening.
Not to mention, as usual, the number of things that have been freakishly and pointlessly moved and changed. As has been noted elsewhere, being able to download your bank statement is largely pointless (when almost every bank now has on-line banking, why run this through another step by pushing it through Money?).
My dealings with the Help people at Microsoft have been interesting. They're from India, and they try hard, but they're dealing with increasingly inferior software.
The problem is the problem faced by many an American business; your stock options are worth less unless you constantly sell more product and boost revenues. So what we get instead are new versions of old products that are frequently worse than what they're replacing. I'm not sure of the way around that one, but MSFT needs to figure something out before they just start selling less product, period.