You technically could say you are spending more money and truthfully, The prices that some games are during their sales, Well, I wouldn't feel too guilty about it. The way I reason it to myself is this, Had I bought this game on PS4/XboxOne, I would not have enough money for these three other games.
So for $60, I could buy four games in total assuming AAA titles. This is nothing more than an example as some titles are even cheaper than that, Some under $10 and more. I like to think I am paying less but I am getting more e.g, My moneys worth.
The best part is that if I built another PC, I could download my library onto the new system and I don't have to worry about physical copies getting lost or destroyed.