This seems okay to me, and sensible, except for one major question I want answered. Does this mean that users will need to use their actual debit or credit card to buy things through XBLA if this happens? Because I flat out refuse to have my debit card details attached to my XBL account, and always buy points in shops using cash to avoid it. Basically, I don't trust Microsoft's security, since anyone could hack in no matter how good their security is. I don't expect it to happen, but then who expected it with Sony a while ago? And I enjoy browsing the Marketplace and buying new content and games on there, so I don't want to have to sacrifice that purely for the sake of keeping my financial information safe from potential hackers. If Microsoft can answer me that then great, otherwise I'm taking this news with the wary concern it may well deserve.