Xbox Game Pass is like Netflix for games, you pay a small subscription each month and get to essentially rent hundreds of games. Sounds like it might be what you're after.
Unfortunately I don't have an xbox (kids at home so worried of addiction) and play very occasionally. I wouldn't mind for a service that allows to rent a game short-term e.g. 5 hours for a dollar - cheap and long enough to try a game without any extra hardware/commitment.
In classic Microsoft terrible-at-naming-things fashion, you can get Xbox Game Pass for PC. I'm using it to play the new flight sim.
And with the xCloud integration, you won't even need to download the game. You can hit play and be in the game right away.