You are doing a lot of "hand waving" suggesting it is not that hard to support this behavior. The way Steam, Amazon, and even PSN work is that a service or feature is available to all vendors or none of the vendors. Updates are send on the basis of installed apps and account settings which is why if you have Borderlands 2, some DLC shows up and others do not where EA Access doesn't work this way. Adding this specific feature to support just for EA is a bad idea. The question of whether or not they should support this subscription behavior for any company is another discussion entirely and maybe an interesting idea.
So I've asked this multiple times already: How does this work on XBox One? No one has chosen to answer yet. The reason why I ask this is because the interface to manage it is what is going to make or break these systems. No one would put up with Steam or Battle.Net or Amazon if you had to use multiple logins and synchronize them and manage some of it over here and some of it over there. So again I ask, how does this work on XBox One? If it is slick and seamless and integrates totally into XBox Live then that will help a lot. If you need to go to the "EA Access App" and set things in there....not so much.
Months from now assuming more games make the list and you want to get Madden 25 but are at the limit, how do you work through the process? Do you uninstall Peggle 2 and that automatically "returns" a license for you to install Madden 25? When you are at the purchase page for Madden 25, what does that look like in the store? Does it say "Paid with EA Access" or do you need to activate something? When you are looking at the purchase page for Madden 25, do you get a warning or error you are about to pay real money instead of use EA Access? Can you choose to not use EA Access since you may want Madden 25 anyway without counting towards your quota?
None of these are impossible or improbable to implement but these details are important. Managing these system is always a challenge where we've seen the result on other systems that the best they can offer is timed locks that kick in on expiration and they are difficult to manage. It seems to me that to make this works the store front needs to be completely rebuilt to support this Netflix behavior by default then secondarily off a way to purchase the game at any time. Doing it the other way around makes it clumsy.