Well, I don't know what your definition of actively using it entails. Should i be using the service everday, week, or just a few times a month? Just in regards to games, I'm not actively playing something in GamePass Ultimate month to month and yet I've stayed subbed to it for the past 4 years straight 
Plus I also don't really agree with your comparison of being at a restaraunt and just paying for what you're going to eat. At a restaruant I'm going to get charged for each item I consume. Streaming I'm just charged a flat rate and can consume as much or as little as I want (until they decide to raise it at least).
Side note, when I say I've soured on sub services, that was only in reference to streaming movies/tv shows. Gaming subs aren't at an irritating level yet since Game Pass is kind of the only good option at this point (PS+ isnt' bad but it's lacking compared to GamePass).
