How to be a Microsoft Beta Tester

Today I got an invitation from Microsoft to be a Beta Tester
bq. You are cordially invited to join the MSN?? Beta Program. We use beta programs to help define features for future products and services. This is your chance to make a difference! Participation lets you share your ideas and plays a key role in the development process. And together, we will build a better MSN!
I was all for it till I read the fine print.
bq. During sign-up and installation of the beta software you will get prompted for credit card information. The MSN beta software will be free during the program and you will not see any charges on your credit card until the beta has expired.
This way Microsoft is getting Beta Testers to pay for all the work they should be doing. What a terrific business model.