I hate abbreviation.
I think it is similar here but even in debit cards you can tell your bank you didn't make that transaction and get what they call a Chargeback initiated. Unless it's Chip 'n's Pin.
Sorry. Sol is standard around here!
A bank usually does that here but they don't have to.
It's really hard to tell with Microsoft. They don't seem to take advantage of their opportunities when they should at times.
I was really pulling for Sony too, because I like the idea of their gaming network being free. I hate paying for Live.