I skipped most of the posts in this thread, but what you described is basically how digital games work on Xbox 360. As long as I'm logged into live, I can play my games on anyone's console. I even played multi-player with my daughter on one Xbox (the one that is officially linked to the content) while I played on the other Xbox in our house.
No idea how the family plan worked but I think it's different from what you think it is.








