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Sure, let's continue to make things complicated. Those games are only given to you, and only available to you if you have an ACTIVE PS+ account.

Forget the servers going down, if your account doesn't have active PS+, you're done.

To say they're YOUR games isn't true. If you purchase those games, they're yours, and then, no, because you BOUGHT them, you CAN play them, without PS+.

With Xbox One, you get banned, you're done. Period.