Logically we all think that, but for some reason debit cards are actually less accepted than Credit Cards. No idea why, though

And ... do any of you guys sometimes feel like XBL games are more expensive than normal games?

Sure, normal games are more expensive up front, but if you buy early and finish playing it early, you can sell it 2nd hand for minimal financial loss ;o ... XBL games you buy, you don't like, you can't sell it or ask for a refund