@magicalclick: "Well, it is free. XBL has a lot of paid member money to make sure the experience is better."
Sony PlayStation Network http://us.playstation.com/psn/playstation-plus/
$49.99/yr @ $4/Mo.
or
$71.96/yr @ $6/Mo.
or
FREE
XBox Live https://live.xbox.com/en-US/Flows/ManageSubscription/ChooseSubscription.aspx
$59.99/yr (Gold)
or
$119.88/yr @ $9.99/Mo. (Gold)
or
FREE (Silver)
Free services should be exempted from our expectations of due diligence, best practices and common sense? If someone hacks my bank and steals my money and information I shouldn't care because my services are "free"?