The link I referenced before also mentions that on your Xbox, any user can play any game:
>Your friends and family, your guests and acquaintances get unlimited access to all of your games. Anyone can play your games on your console--regardless of whether you are logged in or their relationship to you.
So anyone in your household can "borrow" a game from you just by using your Xbox. I guess this also introduces the idea of someone having a "main console" that is particularly linked to them.
>They use the word "family", so I wonder what they mean? I guess they mean "people in the same house", but I could be wrong.
I also saw this, but restricting it to "people in the same house" doesn't make sense in light of the previous points.
Regarding the issues you raised about Ann and Bob, they are completely valid points. I guess the most honest response I can have to that is that they, for better or for worse, just don't seem to be Microsoft's target market for the Xbox One. Luckily for them, however, the PS4 looks like it will be able to suit their needs much better.