So you are blaming Microsoft for yet another ridiculous gamestop policy?
Letting employees borrow games and then selling them as new is the epitome of gamestop: it's immoral, it's wrong, and it is stealing. Gamestop likes to steal from regular people. Look, gamestop gets to give their employees a perk and then they get to sell the games as new when they are not. Good deal for gamestop.
And when they decide they want to (because no game will come back in perfect condition), they can sell that game to the employee by cohesion.