General principle: It is way easier to avoid lock in by not being locked in in the first place then to extricate yourself later. It's easy for me not to be locked in to a streaming video service because I had a DVD collection that predates them, and I maintained it instead of being on a streaming service, so I've got a personal collection. It's easy for me not to be locked in to a streaming music service because I have a CD collection started decades before they came into existence, ripped digitally, and I've got music I own already.

There's more entertainment of every kind, including video games that don't lock you down, then you could consume in a lifetime anyhow. If you limit yourself to just what doesn't lock you in, yeah, you may not be playing GTA VI, but it's not like you'll lack for good games.

On the one hand, buying a subscription service for $20/month does give you instant, temporary access to a lot of things... on the other, consistently putting that money into media acquisition over the same period of time will build up quite a collection in a few years. Remember that you don't just have to buy blockbusters... you can raid garage sales, you can buy used, you can pick up surprisingly cheap collections like [1], you can hit the Salvation Army... what you find may be haphazard but you can bootstrap a collection cheaply, and may find some surprising stuff on the way.

[1]: https://www.amazon.com/dp/B006LOC01G - but look at the used prices, not the new. There's a lot of things like this on Amazon where someone thinks they can get a lot of money for it "new" where the used market reflects the more accurate market reality.