[synicalx]

On PC you have your choice of marketplaces so it's somewhat less of an issue. On console you're locked into just the one marketplace with digital-only consoles, so if Sony wants to charge $100 for a game then that's the price. Once you've paid the $100 it's also tied to your account which is not necessarily always guaranteed to exist or be accessible, and is non-transferable.

Whereas with a disk you can pay substantially less due to your choice of competitive retailers (in my region Space Marine 2 is $79 at some retailers or $109 from Sony), buy secondhand for older titles (most of my library is secondhand), and resell or trade-in games when you're finished with them. And of course it's not tied to an ephemeral account, so you will always have access to the titles you've purchased.

Also for my use case, my PS5 doubles as a Blu-Ray player which is worth a good $100-200 just by itself.