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In many many cases MS doesn't have anything to do with the multiplayer mode of games. Afaik every bigger publisher organizes the online part for games themselves, so why is it OK for MS to collect a fee from you for accessing that part of these games ?

edit:

if you'd only have to pay this fee for MS published games and to be able to use cross-game-voice chat (which probably uses MS servers)/whatever other MS online services there are, then that would be fair, but to extend it to so much other stuff just makes it look like a ransom to me