Physical is cheaper on consoles, different stores constantly have games on sale every week that makes it cheaper, even pre-ordering is cheaper with physical because of amazons 30% deal at E3 and 10% deal after. Games take up a lot of memory, even if I upgrade the HDD its still gonna be full by the end of the generation, if I went digital I would lose all the games that are not downloaded on the console because I have no space, with phyiscal I always have access to all of them. And disc scratches are not an issue because blu-rays are anti scratch, if you scratch them then you need to take better care of your stuff.
Edit: To give an example, Shadow of Mordor is $50 on PSN and I got it for $30 at Best Buy last week and that's with Canada's prices, could probably find it for $20 in America.
