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Pyro as Bill said:

People don't pay yearly subscriptions for bargain bin games, they pay to play against human opponents and with their friends.

Is that claim bases on any empiric data or is that just your gut feeling?

  • How many people pay PS+ or XBL for online only and aren't interested in the games?
  • How many people pay PS+ or XBL for the games only and aren't interested in multiplayer?
  • How many people pay PS+ or XBL for a mix of the both (plus discounts, cloud backups...)?