So you have to install a game on your hard drive in order to be able to play it. At all? (And you more than likely have to have a working Internet connection for the game to work.) But if you want, say, your teenage son to be able to play the game on his own account on the same Xbone (because he doesn't WANT to play on your account, he wants his OWN account), you've got to shell out some fee to... install it again? Isn't it already installed? I don't know from computers, apparently.
Also, if I want to loan a buddy the game for a week while I go out of town so he can see if he likes it enough to want to buy it for himself, he's got to pay a fee for the privilege of installing it on his Xbone's hard drive? And then... what? He can play the game forever off the installation (minus the disc)? If THAT's the case, it doesn't behoove Microsoft to make that nominal fee all that nominal. It behooves Microsoft to make that fee equivalent to the price you'd expect to pay to buy that game used if you didn't have to go through the installation rigmarole.
Right?
--Morology!