This could be solved in theory by a streaming service that didn't try to lock you in. Alas, almost every streaming service of every kind does want to lock you in, and often the licensing agreements necessary to offer competitive pricing require it.

But having a pricier option where you can save your content offline would be a way to satisfy both audiences.

Although in this case, I personally think a pure subscription model should replace the fee + pay-per-game model as the basic streaming option.