Well some of the PS3 games I have bought have came with a code for online play and if I did not have it I could not play online and had to pay $10 online to get it. I have bought used games at Gamestop and had the code in it already. So if they still go this way everything will be fine if they in clued the code with the game it self but, if they make us all buy a code for each game and are system breakes I am pretty sure are online account will keep that infomation like it does for every other dowload.