2 Accounts sharing same installed game - PUBG (both accounts bought a copy)

As Smwutches said, PUBG is an online only game and an Xbox Live Gold subscription is required to play.

This is a game that is only online. To play, an Xbox Live Gold membership is required. It is not possible to play online (multiplayer) without having a Gold Membership. You will need to purchase your own subscription in order to play.

PUBG is an online only game. A gold subscription is required in order to play online. So to play the game, you would have to have a gold subscription.

Thanks but i think maybe i didn't make my question clear. I'm not trying to share my games with Frank. Just the opposite. We both want to buy the games separately for ourselves without sharing between the two accounts,

My question is, if Frank buys a physical copy of Red Dead Redemption 2 (of which i already have the digital copy installed on my account), can he install his physical copy on his account without messing up the digital copy on my account or messing up any
of my game saves?

Neither of us have Xbox LIve Gold, BTW. Just the free versions.

With the Xbox One there is a "Home" setting which allows all profiles on one console to share a gold subscription and games/content. So both kids can share everything on the Home console. In order to play at the same time, the child who's account is the
"Home" account would need to play on the non-Home console. That account can access everything on any console. This will allow them to share digital games, but if you have physical discs, they would need 2 copies.