I remember years ago when my friend and I were still speculating about a digital future of games. As a collector of games, I used to be so against it; I would always want my games to be physical. Today, the majority of my Xbox One and PS4 games are digital (Switch is still a bit of a mix). All my old games, from the Master System to Xbox 360 and everything inbetween, are all in storage. Digital is just a lot more practical and convenient.
Is there a time in the future where the XBL or PSN service may shut down and I could lose access to my digital collection? Of course, and that is a risk I have to accept. However being realistic, at that point I will most likely have moved on from these games; and if there are some that I remember fondly and really want to play again, I could probably just get a cheap physical copy to replace it (if the actual console is still working or replaceable, that is).
In the meantime, I'll continue to enjoy the convenience of a digital library. As for games getting de-listed; the majority of these are still available to download if bought previously. I probably have more physical games that I own but can no longer play than I have digital ones.