Digital only when you own nothing.
Paying for online is not mandatory. Majority of console players doesn't pay - Fortnite is free to play online and SP games doesn't need any.
And PC doesn't have any of its own. All PC players can do is sit, wait and hope. And occasionally beg for port of Bloodborne
It's funny how PC players call themselves Master race, but in reality treated as 2nd class citizen by almost everyone - Jensen "please pay x2", publishers "please wait in this special line for an year and maybe, ~maybe~ you'll be allowed to get in", devs "game works like crap? Buy better PC"