I think Game Pass is a big loss for consumers.

* The player doesn't actually own anything. I routinely play games I purchased 5+ years ago, which is a fantastic long term entertainment investment.

* The player doesn't have a direct relationship with the game studio. Microsoft injects themselves a middle man, and is essentially rent seeking.

* The player has much more limited rights to run the software the way they want to. I can legally buy a switch cartridge, a switch, and run the switch game on an emulator. Nintendo hates this. My access to Game Pass games is legally limited to ways Microsoft considers appropriate.