MMO and gamefly which is less than 30 dollars a month sounds fine to me. I'm more worried about money when I go out with my friends for a few drinks and other legit activity's.
Also I notice MMO company's offer a six month game pass where you can save a few bucks by paying up front(maybe around ten dollars fifteen at most). So if you think about it, it's really not that expensive.
No offense, but that post or "rant?" you just gave reminded me of a money management class. You go to the class and they lecture you how buying a soda and a candy bar from the gas station a day is preventing you from buying a new car or paying off your electric bill. You can add all those numbers together and it can look scary at the end, but nobody seems to care afterwards as long as they are enjoying themselves as a human.
Anyways, sorry if my grammar is a little messy, but its late and have a good night everyone.