I just posted the article Zune MP3s no longer require Microsoft Points.
Microsoft has removed one cumbersome step from its Zune online music store by letting people pay for MP3s with a credit card.
Read the full article here: [http://www.myce.com/news/zune-mp3s-no-longer-require-microsoft-points-31279/](http://www.myce.com/news/zune-mp3s-no-longer-require-microsoft-points-31279/)
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Paying with actual money is always easier. I too don't like having to pay for 1000 MS Points to buy a game that costs 800.
Not a new concept, prepay mobile phone plans have this issue constantly.
Except with those phones you can use up all of your credits, unlike the MS Points system in a lot of cases. I'm stuck with 190 points right now, just below the price of most DLC that I'd buy.