"It all started with horse armor. Fanatical RPG fans had been playing Elder Scrolls IV: Oblivion to death, and they wanted more. While the developers promised more missions, more realms and more adventure, they had something in mind to hold players over in the meantime: Horse armor. Yes, now you could bling out your pony with all manner of shiny plate mail, because you aren't rolling in style until your mount glistens in the sun. But this stuff wasn't being given away; you had to pay for it, and not with gold from the game, with real money (well, as close as Microsoft Points come to being real money)."