People saying models like this are enabling people in less fortunate economic situations to be buying expensive hardware (like 700 dollar cellphones or a console with such a model) have to consider this:
Maybe these people shouldn't be owning such hardware in the FIRST place if they can't "truly" afford it!
It is one of the problems of our economy that every single last one feels entitled to having the EXACT same standard of living as the next guy.
Result=a large portion of the population is indebted to the brim and still think they are living the good life, well i guess in a way they ARE but at a cost they do not yet realize...
So yeah, i think this system of low prices + subscriptions are nothing but a way of TRAPPING consumers by dangling a carrot in front of their face that says "buy me, you can now afford me" but in the end are screwing the consumer over, because MS or other big companies don't give a crap about your economic situation, they just want to cash in as quickly and as much as possible!