We don't own what we hear on radio. Anyone old enough to have owned a vinyl record, 8-track, or cassette knows we "owned" those until the player "pwned" us and scratched the record, warped the record, or otherwise ate the tape.
The CDs I "own" mostly mark me as ... old with 1980s musical tastes.
I'm actually pretty happy with combination of Rhapsody and Google Music, though there are definitely some albums I wish Rhapsody would get (The Beatles, and, ... Soundtrack to American Werewolf in London, and, ...).
But actually Rhapsody, Google Music, and Squeezebox Server have made me purchase a lot more music than I have for a long time.
Of course, the music I purchase tends to be used CDs from Amazon for pennies plus shipping.
I would in fact like the Zune Pass model.