Me and my family are all on Apple products since ~2014 (or even before). We never paid for iCloud. I opt in this year because (I) the 1st tier costs me 1€/month for 50Go and (II) it’s very convenient to get auto backup for the whole phone (except photos / videos, we are using a family plan with Google Drive for that).
But I admit that enabling iCloud by default and frequently showing a pop up because you are beyond the 5Go plan is pretty bad. But you can disable it at anytime, and there is no more pop up when you have done it.
Exactly. As long as the games can bought (preferably physically, but at least digitally), I see no issue for this.
People should stop to keep their subscriptions when they do not use it. I subscribe to gamepass for 1 or 2 months, play all the games I am interested in, then stop it. If more people do that, the only way for Microsoft to keep subscribers is by improving its service to stay relevant.