I sympathize, but this really isn't anything new. Five years ago when XBL started, there was just one $50 flavor, and if multiple people wanted to play online, multiple accounts were required. Same story today; just w/ the Silver option if online play isn't required.
Does cable charge for extra TV's? Usually not, unless you're using a cable box on each TV. But in the same vein, you're paying more per connection if you have digital satellite. You're paying extra per phone line on cellular family plan. Paying 100% more? No. But paying for what you're using.
In the end, the analogies don't really help. MS has set the bar at $50, and it's not likely to change. Never thought I'd recommend a PS3 as the budget choice, but if the online fees are a deal breaker, I suppose the PS3 would be the way to go. I think there's something to be said for the differences between the two experiences, but $200 is $200.
I think taking a cue from Apple's volume licensing (ie: $20 over single-user MSRP for a 5-user family pack for apps, $70 over for OS) would be interesting for XBL. Say 5 gamertags tied to the same Live ID for $80? Spoofing, boosting, and other stupidity becomes a concern, that hasn't stopped anybody thus far.