All cloud storage programs cost money. It cost a lot of money to maintain these huge servers. Five dollars is laughable when you think about a YEARLY fee. That's less money then a monthly 8$ Netflix subscription.
I think its a genius idea, and I will gladly fork over five dollars a year to them. They knew they had to make cross-gen transferring happen this generation and they got it to work. I don't get what's the big deal with paying an annual fee. They are even giving a long free-trial period for it.