Think this over. When you buy a game, you get a code to input into your xbox via internet connection. No internet? Sorry. No game.
Once this code is used, it's set to your console. No playing that particular game on a friends console. So no more borrowing a game, unless ofcoarse your friend will pay a fee to play it on his console.
Buying a used game from Gamestop? Pay whatever price at Gamestop, then pay another price to get a new code to input into your xbox one.