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Xbox's biggest crisis right now isn't games. It's hardware. (Opinion - Jez Corden)
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I'm not. I'm playing on PC 95% of the time, and I play the Sony exclusives only in single player on my PS5 anyway.
What I'm saying is that this could be a differentiator for Microsoft that they just don't seem to be interested in (it would obviously lose them a lot of revenue from existing customers at first). I feel like more people would get an Xbox for multiplatform games if they save over 50 bucks a year because they don't have to pay for online play. Heck, I'd probably spring for a Series S for the odd round of Sea of Thieves and the likes on the big screen TV (I know, I could connect my PC, but it's just very comfortable that way). But having to pay for online is a no-go for me, especially because it's not my primary platform.
I wouldn't be surprised if many of the folks that only play FIFA or the likes would get a Series S if it's marketed correctly, and they didn't have to pay for online play.
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.