And again, like I said, if you can't afford it then you should rethink your priorities. It's a luxury product, not a basic needs product.
And like I also said, these game subscriptions have barely changed in price compared to many other things in the past 20 years. They're not that expensive.
Considering you're talking about multiple game subscriptions and streaming subscriptions in your post, I don't think you have it that bad anyway. You'd also require a console or gaming PC or both, a lot of people don't have all that. Subscriptions are easily the cheapest part of the hobby.
You're just bad with organising your subscriptions and should change how to get the most out of it.
First you made a post complaining about how expensive game subscriptions are, which you now deleted.
And now you make a post about owning hundreds of games on gaming platforms.
What is it? Are you broke? Or do you just make pointless topics to complain about the way things are? It's not going to change, your utopian scenario is based on hopes and dreams. But that's not how the industry, or how the world, works.
Steam developed like this naturally, from being game launcher and library, to a store for their own games, to a store and library for other studios to publish on too. It works, and does its job well. Other companies thought they could do the same, can't blame them for trying. This is how businesses work, they develop and compete, some make it, some don't.
Your doomsday nightmare scenarios are based purely on wild assumptions and non-arguments.