I am almost full digital, but I pay attention and buy all my games on separate accounts.
Wait... you make a new account for EVERY game you buy digitally? How many PSN-, XBL-, eShop- and Steam-accounts do you have?
Aren't there account limits on consoles?
I only have a PS4, so at least I don't have to worry about the other platforms.
But, yes, I make a new account for each game. It takes a total of 2 minutes, and gives me the freedom to get most of my money back by reselling the digital game.
You can have a maximum of 16 accounts on PS4 at once, but of course it's tough to reach it because nobody really plays 15 games simultaneously. There are always my 3 personal accounts (US, UK, EU) and a few for the games in play. Even if you somehow manage to have more than 16, all you need is a Word document with usernames and passwords and you'll be fine (I have one, no way I can remember all of those logins).