If you don’t understand or can’t figure why a service like Game Pass requires a fee, then you are either woefully ignorant of how technology and security works, or you are being willfully disingenuous motivated by loyalty to a specific platform.
Whenever people ask which console they should buy, my first question is “what do your friends play on?” Hardware/Games you can argue till you’re blue in the face. Playing with friends should be a main motivator in deciding what platform you choose, if you are limited to one.