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Well, I have already stated my opinions on why MS charges for their services in several other threads. Much the same as Quake Live for pc is having to offer a premium service to offset the costs of their servers. As ad revenue is not covering them. Now imagine services like XBox Live that cost a hell of a lot more to upkeep than Quake Live.

Now look at PSN. They are paying for those costs from somewhere else. Developers, etc.

Just different business models.