The payment is a delocalisation of the cost, yes they are providing services that others do for free and you have to be paying to get them, but thats what the money is spent on. The subscriptions is choosing that over PSN, Live is just easier, quicker and therefore more efficient to use, theres a vast array of video content that is given through, yes to silver users too, but thats not the point. If you buy and xbox and get a live sbscription it is because you want this service instead of PSN. IMO PSN has terrible community feature accesibility, who wants to mess about with a bluetooth headset when you can just plug one in? (I dont get live users who use the wireless headset too before you say). Also, I know its been mentioned, but the PSN network going down is hard proof that the service is not as good! Yes silver users have thier date protected too, but that doesn't really mean anything as an arguement, they are protected because gold members do pay, its the freeloader principle, but if some people had their details stolen off of PSN they might think about upgrading to gold and not bothering with PSN after this.
Steam is good, but thats more a console/PC arguement, no one really chooses PC over console or visa-versa solely on the platform used.