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"Also you dont get to own the game you get from the month, its just playable for free that month."

And you don't own the game you play on Playstation either, it's locked behind DRM. You have to pay every month to keep playing it.

 

But as long as you're subscribed you get to play every game that was released during your subscription. With nintendo's online you get a 20-30 year old game for A MONTH! That's it. Once the month is over you can no longer play it, regardless of your subscription.