I don't understand why anyone would play an online game, especially on a console.
The very idea of having to pay a monthly subscription to play the game is problematic to me.
Because until recently in the PlayStation eco-system, you didn't have to. And you still don't for certain games.
PS2 games never had an online fee, except for the two MMO's.
PS3/Vita games didn't and still don't require PS+ for online play, The 3 PS3 MMO's "could" have additional fees but two of them were F2P.
PS4 games DO require PS+ for online play, unless it's one of the following:
1. an MMO
2. a F2P title like Warframe.
3. A non-synchronous game, an example being a chess game where you can send turns a la play-by-mail.
You also get other benefits with PS+, "freebies", discounts, etc etc.
With XBox Live, they basically ask you to pay to have the right to use your Internet connection.
No you're paying for the right to use their servers and service