Lifetime subscription & Changing name clarification

[Shneibel]

Take LOTRO example, $15 monthly (used to) and $299 lifetime subscription option. With an interest rate of 10% (as an example), that takes 10.8 years for the lifetime subscription to pay out, and you have to add 1 month free trial on top of that. So unless you're playing the game constantly without break for 11 years+, lifetime subscription is a scam.

15 x 12 = 180$

299 + 10% = 328,8 = 329$

329 / 180 = 1,82 = 1 year 8 months

I dont see the reason for play 11 years to pay out for the life time subscription but 2 years.