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I'd much rather buy an extra full game a year.

Hell, I remember back when I was a kid, and I'd get 3-4 games a year, if that.

Not to mention, some people have trouble paying for gas, let alone buying XBL. People come in my store that have barely scrounged up the cash for a 1 month card, and then they don't get it again for months. That one month was a "treat" for them.