I pay for an annual family pass, to cover my wife and sons membership, and keep our second box (our family/multimedia/Sonic The Hedgehog Xbox online.
Costs me about the same as my monthly satellite Tv package, for a year.
About 30c a day, for 4 accounts. For a consistently reliable service that my whole family uses. I buy at least 2 xbla sale titles a month, saving usually at least $6 a title. So it kinda pays for itself. I'm happy, my family is happy. I have my game box set up on my TV, they have the family box on the family Tv. Everyone's happy.
Is that a problem?