You have to have a backup source to pay for games that could possibly find themselves lost or stolen while in your possession, or if you "keep" a game....and when your "free membership" comes to an end; there's got to be a way to pay if you choose to continue your GameFly subscription.

Your question was kind of an incomplete thought, so I was trying to guess what you were getting at....if you need any more help then be sure to add more details,etc when you post.