I am an xbox gamer and I rarely buy games anymore. I only buy huge rpg's that I spend dozens of hours in and sometimes nba 2k because I love bball. I see no reason for me to buy games anymore (unless they are not available on gamepass, or leaving the library). Im old, i grew up in the days of NES, I do still have a few NES titles, I still have some OG Xbox games and some 360 games. I really see no need for me to have physical games anymore. It cost way more money, ease of access is not as quick as digital, disc can get lost or damaged, all of my friends have gamepass, so technically we all have the same library for mp games.
I understand people that like to collect game, but I am inundated with gamepass games at the moment and its only going to get better, I love the subscription model and plan on using it indefinitely. Also, Xbox game streaming works really well for me now, I use it way more than I ever thought I would. lastly, you can get some gamepass for free using Bing and MS rewards. The subscription future is very bright imo, I game way more than ever, and pay a lot less.