There's one MASSIVE problem with that, Heroe. When using live the servers don't host the games, they just act like a matching service, so the bulk of the cost is not put on MS but your ISP. That PS3 CoD4 server barely costs a thing if it functions the same way as live does. Hell, battle.net proves it's pretty damn cheap to host the game on your own server, let alone putting up with this Live! bullshit where you have to host your own games.
Again, what justification is there for the cost of live? If you got everything Sony offers for free, would you really pay $50 a year for the handful of extra features? I doubt it.
As it is, I can't even imagine paying for the honor of hosting your own games (to the dismay of most everyone else who is playing) when better companies like Blizzard save you the trouble and (should you be charged for bandwidth usage) costs that MS won't take upon themselves.
You do not have the right to never be offended.
