They should really not charge for the old Xbox Live subscription to play multiplayer and keep the subscriptions for access to the Netflix style library of games, long overdue.
You used to have Xbox Live Gold and Silver, they ought to just make a Bronze level that allows free multiplayer but spams you with ads, Silver allows multiplayer ad-free and a limited selection of rotated games ala the epic store freebies, and gold includes the Game Pass functionality + everything else and a special cosmetic tag so people know you're a Serious Gamer. Could even go with Xbox Live Diamond which is $100 a month and only includes a diamond tag and some microsoft store credit each month, to capture the financially irresponsible market.