Dear god you like to argue as well and claim you're not arguing.
1. Buy a 360. Register a 30, 60, 90 day game card, register your gamertag
2. Go to the free games for XBL app
3. Click Buy - price is 0.0
I have never had to get my credit card out for the free games nor have i had to re-charge points or add credits.
Wow, that actually works.
In effect, you can get free games under that scenario.
Now the reality is that most users wont have the free trial cards, but they aren't that rare either. Several 360 games come with at least a 2-day Gold trial.