Microsoft does not equal altruism. No, let's be clear here: no U.S. for-profit corporation equals altruism. But even the awesomest of do-goody moves on the part of Bill Gates, Steve Ballmer & team could ever be considered as entirely selfless.

Take the company's plans (in conjunction with hardware manufacturers) to test a pay-as-you-go scheme for computers called Microsoft FlexGo. You pay somewhere around $300 (about half of what the computer would cost at full retail value) and then buy prepaid cards for minutes, a la prepaid mobile phones. Over time, the consumer would own the computer outright (but it wouldn't be repossessed if users failed to purchase all their minutes, just like phones), paying a little more than the retail cost.

The initial markets will be places like Brazil, India, Mexico, China and Russia, where consumer credit rates are high and the average person doesn't carry plastic. Best of all, some estimates have put the untapped market at 1 billion consumers -- those who can't afford the $500-$1000 all at once, but who could afford one were the cost to be spread out.

In one fell swoop, Microsoft could reduce the desirability of pirated software, double its potential consumer base, open up hundreds of billions of room for revenue growth, and oh yes: help people. I'm going to forgive the lack of total altruism. Just this once.