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The bigger games have circa 100 worker bees for 6 months, at least some of whom are contract freelancers or near/offshore (i.e., not all that well-paid), plus a few hot shots, so that's, say, $4-5M per game. Add another $1M to house and equip said workers, that's $5-6M, considerably less than EA claims to spend on each game (my estimate is rough, but not a whole order of magnitude wrong, methinks).
It's quite misleading of Mr. Riccitiello, therefore, to claim that EA spends $20-40M making each game. The truth is likely considerably less. Assuming he's not outright exaggerating, the lion's share of the $20-40M must be going to league/celebrity/etc. licensing, promotion/advertising and executive salaries, and to balance failures and mistakes; perhaps, he's including some of the debt incurred when acquiring (aka, "crushing") smaller game studios.
IMHO, Riccitiello is just trying to justify charging $30-60 retail per year on franchises that gross up to $100M a year, but cost less than $10M to make.
I think bank-issued digital currency would be worse than government-issued currency
In the U.S. during the 1800's, there were over 8,000 private currencies. Banks, or pretty much anyone, could issue paper notes. This situation undoubtedly led to some interesting travel experiences, exchange rates and collapses, but mostly I imagine it led to a lot of confusion.