I doubt disposable income will really ever become a factor in these types of games. Time and again consumers have shown that they have the cash to throw around. The only real question is if the game is worth throwing more money at. Hence the rise of micro transactions and collector's editions: as consumers, we KNOW what games we want to play and what games we don't. Its all just a matter of figuring out how to milk us.
Of course, that's a moderately poor business model as invariably companies will start producing core games that have crap for content thinking they can milk the micro-transactions. But I digress.
I don't think subscription MMOs will ever really make a comeback. There's not much room for more, and I think as a society we're pushing past the second life status people held themselves to back during the early generation MMOs.
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