I haven’t bought physical media for any console in many years. My ps4 came with a physical copy of destiny… I think that disk might actually be in it right now, since i don’t have any other physical media.
The last time i remember going into GameStop, was when Bioshock came out, and they refused to sell me a copy because I didn’t preorder. So i just went across the street to Best buy, who of course had tons of copies and sold me one. Because that’s what stores are supposed to do. Sell you things, without requiring you give them an interest free loan first.