My thoughts exactly. Perhaps if I get bored this weekend...
Why yes, this does work. Prepaid Visa from Walmart (should be one that requires registration -- check the back of the packaging), register it to an address in MA, make an account at the service site with the address you just registered the card to and you're on your way...
This is a somewhat questionable thing to do, but in the grand scheme of things I feel its reasonable.
Be aware, that it does kick you off the system if you download too many files at once, or open an excessive number of concurrent connections, or issue requests at an excessive rate. That said, manually browsing the site, even aggressively doesn't trip a log out.