This guy ^^ for president!
The credit-card payment idea in particular is genius, and I hope they implement it because a kiddie-infested Fallout MMO would be a huge letdown for the fans (that's assuming some idiot trusts Interplay with the money to make it, which is looking unlikely since they've been looking for months now
)
That's exactly what they tried to do in Guild Wars but it turned out the mass of the playerbase just wanted a higher level cap that they could grind ad nauseam and fancier/better/dearer armour and weapons that they could solo-farm and save for every waking minute of their sad lonely lives. The people who liked the game for what it was were probably 10% the playerbase. If you go on the fansites and check out dev posts from just before the release of each expansion you'll find a million "will the level cap be raised?" questions.
That's because, unfortunately, the mass majority of people don't want to be challenged, they just play games for a bit of uninvolving escapism.
This isn't just the case in MMOs, but in all games, which is why mediocre generic crap always sell more than original games. It's not that the industry can't recognise a good game when they see one, it's that they know that the majority of their customers won't appreciate it. That's why they get away with flogging off their Generic Marine vs. Hideous Aliens FPSes and their Bland Racer For Kids Who Like To Pretend They're Boy-Racers games on us: why spend more time and resources making something decent if the punters are gonna buy it anyway? Why risk losing sales by introducing innovative gameplay or intellectually challenging themes and plotlines? The majority of mindless drones who buy our rectal secretions of a product will turn away from anything fresh and original in revulsion because their feeble brains will overload at the effort of processing anything that deviates from the mediocre fare to which they are accustomed.
Just turn the mill and grind out more swill for the consumer trough. It really IS what people want, and the sales figures for every critically-lauded, truly original game that I can think of from the past 5 years prove it.