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anybody can have business owning a console regardless of who they are, what they do or what they play. if it meant the difference between playing online and buying a game, for somebody on a tight budget, or for a kid on an allowance, i can see reason why they would own a console and not afford $5 a month.
Someone on a tight budget should do something(schooling, investing in something) so they aren't on such a tight budget or simply save their money if their budget is truly that tight. They might even have to sacrifice some other non-vital service that they use[television, home phone(since they would most likely have a cell phone), or some other thing I'm forgetting right now]. As for the kid with an allowance, they can simply save their allowance. They don't have an excuse. Kids with allowances don't have anything they need to use money to maintain so why can't they just save their money?
money does not determine your right to use a piece of hardware you already bought. dont make the mistake of thinking that, because you dont want to know where that road leads.
Point being if you can't afford the services you want, don't bother even buying the device for that service if you can't even afford it. Ever see someone with a car that they can't afford to put gas in? It just sits there, gets exposed to the elements, then they try to sell it for a quick buck losing more money than they gained in the end.
on a side note they are perfectly capable of still playing offline at least. im fine with that.
The average person just gets a console to play CoD with their friends. If they can't afford online they won't have any fun with the console, it would lead to my point above, and they would sell it for a quick buck.