You missed this option:

I prefer to actually own the shit I pay money for.

I don't hate them, but it's just that owning the case and the disc is just so much more real to me. I know that a time will come where I can't have real cases anymore, but until then I'll try to buy retail games as much as possible.

1. selling games, borrowing games to a friend
2. Digital games are much more expensive than retail games [even Steam (in Europe at least)]. PSN, XBL, eshop sales don't really count as retailers can have their special deals as well.
3. Games are huge and only getting bigger. There are several games over 30GB. The vast, vast majority doesn't have a connection that would allow them to download the games within a decent amount of time plus others have data caps.

I don't hate digital but i prefer having a physical copy not just to look at but for me it's just so much quicker to go to a shop and buy a game than to download it. For now, while my internet remains slow it's download for indie games and PS+ games and physical for everything else. I dread to think how long it would take me to download Titanfall if i was to buy an Xbox One. Probably days to download something of that size (40gb).. It took me 3 hours just to download Pikmin 3, (5gb) which is a decent size download now. So for now, physical is more convenient although download in the background and midnight pre-loading along with a fast internet connection may change that. The big three must also sort out there pricing for download versions of retail games though. That is a major problem. £50 to £60 a game is just a rip off when a physical copy is £40 to £45.

Also i don't see why it matter for home consoles if it's physical or not. Loading isn't massively different i haven't found. On handhelds it's different though and due to the portability is also way more convenient. And to keep it from going on any longer, i share alot of other people's concerns with download only

For one, how can you assume I know no one in the video game collecting community? I am one, for Pete's sake. I have collected physical versions of games, and continue to when a physical collector's edition of a game I want comes out. What you don't seem to realize is that, even with the ability to resell games, digital is still a much better value. Your argument of not owning the game makes no sense, as no one owns a physical copy either, according to the EULA. You own the disc, not the game on the disc, and the company has every right to terminate your access to the game whenever they want. With digital, you have the ability to purchase games for an extrememly cheap price with digital sales.

When you buy physical, you subsidize the publisher for manufacturing and shipping costs. When you buy digital, those costs are completely ignored, and so potential prices are much cheaper. I can get the same game you want for much cheaper digitally. For example, Dark Souls 2 was released for $50 on Steam as opposed to $60 on console because there was no middle-man for shipping and manufacturing. You can keep your ability to get $40 back on a $60 game you buy, I'll keep my ability to get 50 games for less than $20, and not bother reselling them.

You don't own a game when you buy it physically, according to the EULA. You own a disc, but not the game itself that's on the disc.

Sony/Microsoft/Nintendo can terminate your ability to play the game through legal action, if they so wish. They aren't, but nor are they for digital games, so your point is invalid. 

It's easier to terminate the digital service denying you the game. VS going to court and phsycially removing the game from your home.

I like knowing that I can sell trade and lend physical games. I like knowing if I am in a pinch I can sell my stuff. Digital is seldom cheaper than physical(used or new). I can probably find a copy of Dark Souls 2 for $30 right now through ebay or craigslist. I refuse to pay more than $20(usually closer to $10) for a game digitally. This means I have to wait like a year to buy a game digitally on PC, when $60 reatil games can usually be had for $20-$30 within 6 months of release.

My main issue with digital past gen has been that the prices on these games were the same or higher than buying a physical copy. Even more ironically, physical copies dropped in price much quicker than digital. This literally makes no sense to me. Digital should ALWAYS be cheaper than physical, even from day one. A digital copy of a game should not be £50 if physical is £50 simply because of how much cost is being saved through a digital sale. In this scenario, if both games cost the same I tend to go for physical due to all the advantages you mentioned as well as having an actual copy.

This gen though it seems companies, especially Sony is pushing digital very well over physical, so much so that I'm really starting to shift over to digital where I make the majority of purchases. PS+ games, constant amazing sales (as with Ni no kuni), being able to buy games from other regions and play them instantly rather than having to import and in general the convenience of having an entire library at the press of a button. It'll take some time but eventually people will prefer digital mainly due to the sales and prices.