maybe not quite what you’re looking for but the shadow of mordor series has a liiiitle bit of that. obviously not as city-focused as arkham or spider-man.
apple does it, and i think Google too. everyone you add to your “family” must share the same payment method. so naturally you will limit that to only people you highly trust.
you should be able to use games within your family completely unlimited anyway.
I would understand the local connection requirement if that was for sharing with people outside your family. that would make it similar to sharing a game with a friend you know in person. without that the floodgates would be open to sharing games with literally anyone online.
eh, i don’t see any reason why they can’t churn out another TES or FO like they have been for years. my problems with starfield were mostly unique to the galaxy map and space.