plus people like me dad arnt and wont be online so xbox kills that
Have you looked into the Famoly Sharing feature? That is the very definition of being able to borrow games for the next gen.
Example, if I buy Forza Motorsport 5 and you are on my friends list and in my circle of the Family Sharing, you can play it with me at the same time! Even if I'm not playing it you can still play it so long as none of my other friends playing it already. One person to play any given game at a time, just like of you borrowed a game today. Except both of you get of play it on your own consoles.
Also, if your Dad isn't online, he can still tether his phone to he One to do the daily check in.
I really think people are too quick to judge rather than reading the facts, instead they are jumping on the bandwagon as Sony have said they will not be doing the same. However, they will follow in MS's footsteps, and then what's going to happen? People will backlash at them.