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This in particular seems quite odd (nonsensical even) as with the subscription system the online single user account is ensured. Unless Bungie implies that Xbox Live was initially planned to be free (makes even less sense) :

“They'd been picking our brains as to how it should work and we gave them advice that was counter to how they were thinking originally, things that seem so obvious today,” Hoberman said. “You need a user account system where users cannot create free accounts that are fully privileged at will. People need to have personal responsibility and accountability. That wasn't what they were initially planning. We kind of helped turn it into this really safe walled garden, and over the years they've preserved that aspect, added to it, and made it feature-rich.”

in all cases - wrong attitude - and particularly bad timing