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Dulfite said:

It's called Gamepass. You rent for a year for many, get others for life. It's even better than a rental service.

Gamepass is for sure better than a rental service, however you count with publishers goodwill to don't remove their games from the service. As the time you have to play is limited, you maybe can miss some games that are removed from time to time

And I see services like Gamepass being more fragmented in future, just like now I have to pay HBO Max, Star Plus, Disney Plus, Netflix and Amazon Prime every month :p