Microsoft Points to be Replaced

So it seems that Microsoft Points will be a thing of  the past.  Rumor is, by the end of 2012 Microsoft will be changing the Microsoft Point system in favor of what ever your currency is.  If this holds true, you won't have to buy more than you need or have to buy two different amounts, you'll just have to pay the exact cost.  I can't complain, but would this change force everyone into entering their Debit/Credit card information?  Maybe we'll see some money cards like the PS3 has.  Only time will tell, and I'll report back once I hear more