I totally agree. Being able to buy three-year cards for gold and then convert them to GP for $1 was an absolutely killer deal in terms of bang-for-buck. I stopped renewing once they closed that 'loop-hole' personally, I only play a few games a year (and usually ones that are on sale) so full price game pass just never made any financial sense for me. I already spend less than that per month and play whatever I want.