I can log on to anybody's computer in the world, install Steam, and have full access to my entire game library.
I can make almost anybody I know (with limits) a "family member" and share my library.
I can stream my games from my computer to my phone.
My steam deck lets me play my entire library anywhere.
I see no personal benefit to using physical media anymore.
I guess a disclaimer would be that I trust Valve but you truthfully, I don't trust all game companies/vendors.