Many people take issue with spending money on points which you can spend on games and the like on the Xbox Live Marketplace. It is both a needless intermediary step and an unrewarding purchase. When paying for downloads, there is no physical reward that people can use to justify the extracation of money from their accounts, so some find it difficult. The middle man of Microsoft Points only exacerbates this.
Direct credit card purchases on the sweet digital distribution horizon.
Being able to pay directly for downloads has been active for a while on the PSN, so finally, Xbox gamers will be able to ignore their worries about their stash of MSP and get on with playing that latest Saints Row 2 expansion.