We must simply raise kids to understand the pitfalls of live service games and how they should never be trusted or given money.

Concord is explicitly an online-only FPS. I don't think that's representative of most games.

As with everything it depends what you class. If you went on raw number of games you only really count Mobile/Steam slop. If you correct for most played games then Roblox, Candy Crush, Minecraft, PUBG, LoL, Fortnite these are all games that owning the disc doesn't guarantee anything. If you count AA/AAA releases on PS5 it seems unlikely that most discs will ever be unplayable (though I think that is always at Sony's and the publisher's whim)