I could be wrong, but I am often locked out from my digital games. Restarting the system usually fixes the issue. But, PSN is down at the moment. There is no way to play the digital games I purchased (not PS+ games) since the PS4 can't verify the license.
My PS4 is set as the primary account. I've read about others having the same issue. There doesn't seem to be a permanent fix.
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