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Xbox has reportedly ‘shut departments dedicated to bringing games to physical retail’
(www.videogameschronicle.com)
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Except for games purchased via Steam, Epic, etc which you also do not “own”.
you own every game you pirate and properly crack though.
and most steam games can be easily used without steam with a steam emulator.
That depends. Steam games do not automatically come with DRM/need Steam to launch. So long as you keep a copy of the game files around, you own those games. That's not true for all titles of course.