Does anyone have it? From what I understand, you pay a $5 monthly fee or a $30 yearly fee and it gives you access to any games in the "vault," which at the moment includes the latest madden, fifa, NHL, and NBA live games, as well as battlefield 4 and a few others. I feel like there's a catch here. Something like I buy a year's worth and then in a month they take all those games out of the vault. Anyone got a little more info on how this works?