I don’t have an Xbox but everything seems to be going this direction.

All my game purchases are now evaluated on a “will I get my money’s worth on this single play through because I might never be permitted to play it again”

I haven’t yet met a $69.99 game that met that threshold.

Fortunately the backlog is full of years-old, cheap games I want to play. https://www.theverge.com/report/960173/microsoft-xbox-disc-to-digital-feature-physical-game-collection