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Personally I'm sick of the complaining.
The points system was born from the cry babies with the original Xbox (which was tied to your credit card). "Oh no! A big bad, evil company, is tied directly to my credit card!" was the cry. Why a multi-billion dollar company would want to raid my $1000 limit credit card is beyond me.
So Microsoft said, "Fine" Don't want us tied to your credit card, now you'll buy points and add them to your account."
What happens then? Crying over the point system. "Why can't I just pay with my credit card!" or "Why can't it be a 1:1 ratio points to dollars?" (not every uses the dollar!)
Yes... the credit card transaction fees are reduced and now there's now an easy way for developers/content providers to get paid - it's essentially it's own economy.
Get over it people. You spend $20 for 1600 points and that's your currency... Big whoop. You're still spending $20.
The only issue I have is there's no "price guarantee" on Xbox Live. There's been a few times I've bought some DLC at regular price then in two weeks it drops to half price. But that's the nature of the beast.
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