Microsoft again elects to go with the cheap and insecure way of doing things. My belief is that if you pay for a service you should fully understand what you are getting. In this case I believe all you are paying for is matchmaking. This is the reason I switched from Xbox to PS3, I know Xbox Live is a better service but it is not worth the monthly fees without having private servers. Now we know why Microsoft's stock is finally tanking. Simple solution you pay for a service with private hosting don't pay for ones without it. This is yet to happen with game consoles (from what I know), but it is already happening on PC games (PC Game Cost Game Console Cost).