The last 1/4 of the roster on your disc, you have to buy for an additional 1/3 the full cost of the game. From what I hear, there's even MORE DLC characters that are off disc planned. It just feels like they cut content to juice more money out of consumers and the sheer amount of cash to pay for more characters by the end is crazy.
That's what it sort of comes down to: the feeling. Had the DLC not been on-disc, the situation would be identical from a price perspective, but the feeling of unfairness would be gone. See, I find that kind of motivation pretty contradictory, but I might be alone here. Clearly in the minority!
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The Many Forms of Kobe:
http://i39.tinypic.com/oqx98z.jpg -- credit to KIRBEH