Insider Mobile Apps reports that Microsoft may be ending its virtual currency and going to a system that will charge users real money.

The most popular platform for MS points has been the Xbox 360, where they debuted with Xbox Live Arcade releases in 2005. In the past 5 years there have been several modifications to the system, including lowering the smallest pack for purchase. When Games On Demand appeared with retail releases available for direct download, Microsoft allowed publishers to charge an actual amount to a credit card.

With the Zune and Windows Phone added to Microsoft’s virtual store fronts, the company no doubt wants to streamline their service. No indication has been made if the retail gift cards will be recalled or if existing points credited to accounts will be converted to their nearest dollar and cent equivalent.

Are you excited to be done with points? Or did you like having a little virtual pocket change rattling around your account waiting to spent?

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