The fees go both ways if it was cash <> games. This way it's cheaper fees for cash<>points for both you and MS. It's easier and cheaper for the end user. Remember not all states and countries share the same governing tax laws. I know if they did enable cash<>games transactions, I'd be paying for PST, GST and the Quebec tax. Making it cost MORE than the game is really worth, nearly 5 to 10 dollars more. This also applies to Sony's PSN store for me & ma niggas. It's reason why he doesn't buy alot of things off PSN, taxes kill. Then the Point system benefits those who dont live in the U.S? Im a bit confused i have to admit.