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i am digital only so far this gen, but what you are saying though technically correct, isn't entirely true.

key difference is in change of ownership. by law nothing stops you from selling your physical games or buying used physical games.

this is practically impossible with digital games. being that with digital while you own the license to the game, you lack the means to transfer that license to anyone you want. Now if we had a way to sell or transfer our digital licenses at any price we wanted.. then yeah, there really would be no difference owning the two.

A simple fic for this would be for sony/ms/nintendo to have a fixed license transfer fee, say $10 so anyone can transfer ownership of their digital games. So whatever you add to that $10 goes into your account. eg. you sell a game you own for $20, they take $10 and you get credited $10.