They still are purchasing content though and there is still servers to run, there is a cost associated with the apps and everything else online. It maybe isn't much but its fair that everyone going online pays rather than just people playing paid multiplayer games.
I selfishly don't want to be subsidising someone to play f2p, watch Netflix or play fantasy football etc
If the Xbox One existed in a bubble with no competition, your words would ring true. If the Xbox One was dominating in preorders over PS4 and if Sony was viewed as doing all the wrong things, your words would ring true. If Microsoft was able to emphatically show why even f2p games should be locked away behind a paywall when their competition does no such thing, you would have a point.
But Microsoft and the Xbox One do not exist in a bubble. They can choose to persist in their paywall policies, and their defenders can continue to try to paint a picture where Sony is going to do the "same thing as MS". But the reality is that Sony simply isn't and they're showcasing a value proposition that gives the $400 spender who doesn't care about online gaming plenty to look forward to.
less than 40% of the 77 million XBO owners pay for Gold (I used to be one of them for 7 years). That's around 35 million subscribers at best. The remaining 42 million do not use their Xbox to play f2p games, netflix, hulu, internet, youtube, etc. I personally can no longer use my 360 to play f2p games, netflix, hulu, internet browsing, youtube, update rosters on games, etc. I'm just thankful the arcade games and Rock Band DLC that I've purchased is not locked away.
Is a PS3 or PS4 owner subsidizing that f2p player? You seem to have all the financials figured out when ultimately the basic question every consumer should care about is "how much does this cost me compared to the competition." Advertising an "all in one media system" doesn't quite work in the face of the $400 option with no subscription fees giving you that same stuff but without voice control.