(re-posted, paraphrased, and expanded from Facebook http://www.facebook.com/pages/HomeStation-Magazine-HSM/163998130299327)
I have spent QUITE A BIT of money in Home and don't regret a bit of it. For the most part I see it as trying out the free demo of a game, then buying it (for a really low price usually) if I like it. All in all, the "try it out, pay a bit more if you like it (i.e., the first one is free)" structure is a good one for me.
Granted, the multiplayer components are varied. There are games that compare your scores to others in the game and in the surrounding space, a la Sodium 1. There's others that have you playing simultaneously with others, like Novus Prime and Dragon's Green. While still others have more of a community type space surrounding the mostly single player experience, like The Midway. Different developers, including SONY, are trying different ways to bring games to the community and vice versa. I would like to see more co-op type games and such, but I believe that's one of the issues SONY is going to address with the new Home engine they showed this year at GDC. http://blog.us.playstation.com/2011/03/01/playstation-home-to-add-suite-of-new-developer-tools-and-tech-with-version-1-5/
And as for this being out of reach for a younger crowd, don't forget that part of your EULA states that you're 18 or over (at least for the NA PSN). SONY, from what I could gather from their instructions on setting up Sub-Accounts and Master-Accounts, expects the owner of the PS3 to be a responsible adult (ha!). As such, if there is to be anyone under the age of 18 using the system, the responsible adult would set up a SUB-Account with spending limits on the Sub-Account's access to the Master-Account's wallet. SONY also mentions, repeatedly, that if you do not have a credit card, or choose not to use one, pre-loaded cards can be purchased at participating retailers using your tender of choice. Which, by the way, was quite popular at GameStop when I worked there (definitely past tense).
I was enamored with Home the first day I heard about it. I'm still waiting for the TV and stereo equipment I can use to share content from my hard drive with friends in Home, all while reclining in my thermonuclear powered jacuzzi on Mars, but I'm still hopeful. Home has definitely proven to be an ever changing place, even if it's an ever-changing-at-a-snail's-pace place, and I'm having plenty of fun while I'm there.
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