I'll pay if the performance is there. My internet connection is about as fast as it gets for residential and I won't believe it until I see it with my own eyes.
I used to feel the same way. Then I realized discs now ship incomplete with huge day 1 patches being a thing and multiplayer servers can go away at any time. Even for p2p mp games the networks you play them over might not be around a few years from now. Discs are becoming useless rocks that just take up a bunch of space at this point. You don't really own much besides the case. I just gave in and have went almost all digital besides the few games I've bought on Switch this gen.