Except how many times a year do you think Microsoft is going to run 90% off sales like Steam does 3-4 times. If your answer is anything other than zero you are fooling yourself.
If I have to pay a fee to play a used game I have bought from a store or anyone, then maybe xbox one isn't for me. Who are they to tell me I can't even give my game to a friend and let them play it? So if it going to be true, if I was to lend my mate a game he would have to pay to play it on his system. That would be madness.
Steam doesn't allow me to lend my games or even buy second hand games. I hear nothing but praise for Valve and Steam.