I don't disagree with you, and I definitely wouldn't buy an all-digital version, but physical game sales have been down the toilet for half a decade or more (hi, former game retail worker here). Also, "throwing in a cartridge or disk and play[ing] the game" hasn't been a reality since the X360/PS3 generation - optical drives don't have the bandwidth required to load anything even remotely modern directly off hte disk. At the very least it needs installing to a drive, but it also likely needs a ton of updates given how broken a lot of games are at launch.