Nice try but actually I'd rather not believe in rumours hence me believing what a corporate vice president of Microsoft had to say to the press when they revealed the console.
Nothing they have said after the fact has said he was wrong. Merely that they are still "ironing out the details" or rather "we are trying to weather the ****storm of bad press after we announced this thing."
Honestly, is it hard to understand that he could've meant that you'd have to buy the game if you want to play the install yourself after your friend takes his disc copy and goes home? Is that really any different than how it'd be today?
Wired: So as another example, if I took my disc and went to a friend’s house, would I be able to play that game on his machine?
Harrison: Yes, you can. You can take your game around to your friend’s house just as you would today — that’s assuming you have a physical disc — and what we’re doing with the new Live technology is that… with the disc, it’s just a repository for “the bits”. You can put that disc into his drive, you can play the game while you’re there, and then you go home and take that disc with you. But actually, “the bits” are still on his drive. If your friend decides that he really likes to play that game, then he can go buy it instantly, and it doesn’t need to download again. It’s already there. Once he’s paid for it, it’s immediately there.
The above is exactly what he said, and people took from that that there's a fee? Well yeah, he also said that each game will be available on disc and digitally, thus without a disc your friend can play the game after he buys it since you just took your copy and went home.