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So do you have to have an overpriced card to have a PSN account on the console?

Every other console lets you long in as whoever you want so if people want to complain about that they have a good reason. One card one account is stupid and just because you don't have a problem with it doesn't mean others won't.

It is still something to whine about but I guess it can be slightly less whining unless you do have to have an overpriced card to even get onto PSN, then more whining is needed.