Because people complained about the connectivity requirements. Unfortunately I don’t think we are there still, infrastructure for a lot of areas will not support this.
That was a royal “you” in direct response to the question in your post. Regardless, the cost of multiplayer on consoles has been a factor since multiplayer started and will continue to be because it’s a guaranteed way for those companies to subsidize the massive overhead that is their server farms.
That’s exactly what I’m trying to say. These services cost actual money and MS historically has had a significantly more reliable online service and a huge reason why is the Live charge. Sony only managed to have a reliable service when they started charging for it. I feel like a lot of people with the sentiment above didn’t play games when online CONSOLE multiplayer was born.