I would be more open to the “you don’t actually own your games” thing if I wasn’t being sold a digital thing that will definitely get pulled out of my hands at some point, for more than the cost of the physical copies we used to get ($70 minimum now, vs $40-50). And even in the case of The Crew, you got fucked regardless of having a physical copy or not.
I pay for GamePass knowing that I don’t own the games on there. It’s a subscription just like the Sega Channel was.
Online services going away is fine. That’s been a thing that’s happened for years with other games. But the game should still remain playable in some fashion. If it becomes fully inaccessible at the end of life, customers have a legitimate reason to be upset.