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The big difference is this...

PS4 you can loan your friend a game if the publisher lets you (Publisher of game decides on DRM)

Xbox One you can't loan your friends a game at all (***Maybe in the future***) 

"Loaning or renting games won’t be available at launch, but we are exploring the possibilities with our partners."

http://kotaku.com/xbox-one-games-can-only-be-given-to-one-person-ever-511754913

Not really almost the same thing... but spin as you wish