In this case the scenario is not like you describe it. It's more like you buy apples from me and I give you the seeds instead. Would you be happy and still pay?
Um how so? We are not paying for a physical product, it virtual. In all actuality what we are paying for doesn't exist. So it's really hard to come up with a similar situation. But when the servers are up you get exactly what you pay for right? And even though this sounds dumb, when the servers are down we are getting exactly what we are paying for.