My gold just ran out and I just want to convert to silver but it won't even let me do that. Only options are "update payment information" or "play offline", you would assume "play offline" meant "convert to silver", but it doesn't. Just kicks me offline, can't see my friends list or even access my DLC/Games I've purchased from Xbox live. So basically Microsoft is telling me I have to pay 10$ a month to play a game I've already purchased....offline? If this is the case I'll just go sell my xbox right now. This is beyond infuriating.