Microsoft has laid out its policies for digital game sharing on Xbox One. And, it isn't too different from what's available now on Xbox 360--and what's available on PS4.
Like Sony's next-gen console, you'll nominate one console to be your "Home" system. Anyone can login with their Gamertag and play digital games downloaded onto your Home system--even if you're not logged in. And like on PS4, you'll be able to start playing games before the entire game downloads.
If you're on the go, you'll be able to access your digital library, but that content will only be accessible if you're signed in, a post by Marc Whitten explains.
And as mentioned during E3, Xbox Live Gold benefits can be shared as well. Like digital games, your "Home" system will grant Gold benefits to anyone that logs onto that system, even if you're not logged in. However, if you log onto another system, you'll be able to grant Gold status to everyone on that system--so long as you stay logged in, of course.
So while certain features of Xbox One may be locked behind the Gold pay wall, it'll be easy to circumvent. Just ask your friend to swing on by and watch Netflix together.