As long as you don’t have to use it, its fine to charge money.

Look at the state of gatcha games. Yeah, sure, you technically -can- access all the content without paying, but in practice it's not going to happen in a human lifetime. It isn't that much of a stretch to picture games that are "technically" humanly possible, but so difficult that most people will resort to the AI. Remember the oldschool quarter-eaters in arcades? Same business model but with more steps. I also wouldn't put it past MS to offer "incentives" in the game store for titles with AI integration. Also see the comment upthread about enshittification.

And if you really don't understand the difference between a paid subscription service and a family member, I feel sorry for you.