Well, you have chosen to rent your music libraries. The issues you raise is a part of that deal, like it or not.
The OP had 4 reasons that lead up the the choice of going digital. They are not too far away from my own, even if i have chosen differently. (i buy whatever album i deem relevant to my library)
So i have compromised on the cost part, to aquire availiability (and in some aspects sound quality).
But the request is a relevant one, even if i want it for different reasons, and there are many requests on the subject.
One is here: