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Question

 I'm not really familiar with Xbox Live if im honest but as far as I understand it cross game chat is a major attraction of this service, often used to highlight PSN's "inferiority".

It never happened on the PS3 because of hardware (ram) limitations as we know. But with PS4 most likely being able to support it, won't LIVE lose a major reason to charge people money ?

(As long as such a capability is not a PSN plus only thing)