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monlosez said:

Microsoft points

My pet peeve.  This was an arbitrary pricing system that was created with nothing more then the intent of holding onto your cash, interest free.  If you are purchasing games, add ons, Rock Band tracks you are going to run into odd amounts of Microsoft Points left over.  These points will end up just sitting there, because it is almost impossible to buy the right merchandise to get your account to zero dollars.  At the end of this console generation I am sure plenty of people will have some small balance of points.  Microsoft will have effectively stolen money from everyone.  Congratulations on getting robbed.

I agree with this.