I am not sure they should change it. It was a smart financial decision for them to do that, ignoring anybody that might avoid the system because of the points. And it is now an even better financial decision with the changes and fees in the banking system.
Lets explain why.
Every transaction that is made via a CC or debit card, the bank(s) charage a fee. Lets pretend it is just 10 cents. So, if Microsoft were to charge $1 for a song, they lose 10% of the revenue from that purchase. Do that millions of times a day/week/etc, it adds up quickly.
Now, lets say you buy $10 worth of 'points', the banking fee is per transaction. Microsoft has now only lost 1% of revenue on that same transaction.
As you can imagine, this can QUICKLY add up to millions of dollars lost if you are doing a lot of business.
With the recent dramatic increases in fees for CC/Debit card transactions; this points system is even a bigger savings boom. Why throw it away now?
I am free of all prejudice. I hate everyone equally.
- W. C. Fields