I don't want my information in the cloud.
Neither do I want the inevitable yearly charge for constant upgrades to the latest Cloud software. I bought MS Office *once* for ~$80 and have been using it for thirteen years. (Likewise I bought Final Fantasy 10 for $20 and have been playing it for ten years. In contrast Final Fantasy 11 requires a ~$5 per month constant fee.) No thanks. I want to OWN my software not rent it.
You do not own your software. What you own is a license to use it under specific terms, and the media it came on. Also, it's not really fair to draw a comparison between a boxed game that, while it has re-playability, has a set amount of play time to completion vs. an MMO which, while it has a monthly fee, you are getting a constant stream of new content for that subscription fee. Not saying that I don't understand your position about wanting to not pay a monthly fee for a game, but it's not as simple as owning vs. renting.
The only problem with being a man of leisure is that you can never stop and take a rest.