Would you not have to pay the charges in order to access that account? What would be the point at all even? This "free" Live is about being able to play without costing you money, your system costs you money plus hassle for some unknown reason.
No you wouldn't have to. You're missing it. Do you use live at all?? You never have to pay anything to 'access' an acount, all accounts are accessible, and all accounts can download and purchase content off Marketplace., Gold or Silver. The only difference is one can game online, the other cannot.
You would have one permanent silver account, (which could be upgraded to gold at any time) and you would use that account anytime you wanted to permanently buy something. A TV show, an arcade game, DLC for a game, whatever...
Then, if you wanted to play online, and were to cheap to upgrade your permanent account to gold, you would create an additional dummy account, with a free 30day trial, and login to that account anytime you wanted to play online. After 30 days, you make another dummy account, rinse and repeat.
Like I said, it's not my system, I have a membership, though I hardly use it.