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You didn't include the cost of Games. Which is easily a lot more than $120.

Geforce Now is a 'bring your own license' system. The subscription doesn't include the cost of the game.

What? Interesting. Sorry I am an idiot, how did I miss that. Thanks for pointing it out.

People still pay multiple thousands extra over years to rent cars and homes, this is no different.

People don't have upfront money. People don't see the value in owning their things - as is intended. Our society is all credit based. As is intended.

You can play games with Ray tracing at 4k HDR. I would buy a graphics cards that can do that for $200