>>That could mean scrapping the project because it's unpopular, but could also mean narrowing the focus to the smaller population that really does want what you're selling.

... or, keep improving the product to the point where most people actually find it useful, which is obviously an option for Microsoft, with cash reserves to fund centuries of development. Find out what the downsides are, and fix them, or offer actually compelling benefits.

Heck, I'm very hard-set against it, but I just heard about Apple starting to offer savings accts with 4.5% interest. If MS started paying that much, with trustworthy security and no upper limit, I might sign up (i.e., if you pay me enough, I might also accept your other parts of the offer).

It must be damn valuable for MS to have us have accounts, and if so, they could actually afford to provide better returns than banks, because the return to MS would be [banking profit] + [network profit].