XBOX ONE requires a fee to play used games. And if the game is new the fee is $60!

[ishiki]

it's probably not always on. It's probably like steam which requires it to be activated.

And like steam the games will be cracked.

If you wanted to let your friend borrow it couldn't you just give him your account? and you play games on his? Thats what I do with my brother on steam all the time.