So is using these online services consoles have for online multiplayer like paying for an MMO? I've never played one but I know you have to keep paying for the game. Its a big turn off to me.
There is one important distinction to make with Xbox Live and Playstation Network, and that’s that you don’t actually pay for them monthly. I mean, I suppose you could if you really wanted to, but the “accepted” way to pay for them is to buy a 12 month subscription once per year ($60). That comes out to about $5 a month.
But, yes. In order to connect to the network and play these games online, you need a subscription. You also usually need a subscription for other online functionality, too – I remember the first Forza Horizon demanded an Xbox Live Gold subscription in order to access their repository of player-created vehicle skins. And, for the duration of the Xbox 360, you needed Xbox Live Gold in order to use Netflix (which in itself had a separate subscription fee). Thankfully, when the Xbox One was announced, even non-subscribers could finally access Netflix as long as they had a Netflix account.
Either way, it’s all ridiculous.