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JaggedSac said:
It sucks for me, one day a month I have to stop myself from getting the latte I usually have.

Using your latte analogy:

Imagine Starbucks started charging $50/year membership fee to buy coffee.   A lot of people will just say, "It is only 14 cents a day, why would people even care about 14 cents a day, this latte is excellent!"  The problem is that every other coffee shop does not charge a membership fee to get coffee there.  If I wanted a coffee at Starbucks twice a month, it would average out to be an extra $2 per visit.

For the value that the hardcore get out of Live, they do not care about the fee.  For the casual online player, it is a big deal.  They buy 3-4 games a year and are paying an extra $12-$16 per game for online play.