There are PSN cards already in Japan, and they're rolling out in the Us now.
And btw, I couldn't give less of a shit about the new PSN update, and at this point couldn't really care less about Home. All that matters is good content to download, which both consoles have.
Also don't really care about points versus money all that much. What I don't like is having to buy blocks instead of being able to buy specific amounts of points. I'd probably have bought more XBL arcade games if I didn't have to buy extra points and assume I'd spend them at some point. I don't like getting sucked into cycles like that, because you get anxious to spend the points so you don't forget about them.
And Osy, plans are plans. Who the hell knows what's practical to be actually be put out in the market? Microsoft likes to spit out lots of ideas that never come to fruition. That's not a bad thing, ideas are great. Just saying they're business people before innovators and they won't do anything they won't make money off of. A lot of things they never intend to release they talk about to scare people away from competition.