Problem with XCloud game streaming

No, the Streaming app for xCloud allows for online play of those xCloud games or will allow you to stream your Xbox games to your phone.

I understand streaming games (Xcloud) is not yet available for the console, only selected insiders to have access at the moment.

If you share the account with your friend, this could be the problem, as only the person who is the subscriber will be able to use xcloud as it is a benefit only for them.

there will be discs but you can use Xcloud to stream games

But you don't use any code in your phone to run Xcloud games, it's like streaming a video, as Xcloud runs trough the browser

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It could be that Microsoft could be about to make us pay for a feature previously allowed for FREE!!...

You are confusing the xCloud service with streaming locally.

Xcloud allows you to stream games you do NOT own to your console. You basically "rent" access to the games which run on server hardware somewhere in the cloud, and stream the video feed to any device that supports xCloud. Be it your home console, your tablet,
smartphone or whatever. It's like Google's Stadia or what Sony does to bring backward compatibility to some Playstation games.

This is vastly different to the home streaming that allows you to stream the video feed from your console that plays the games you "own" to a device that supports local streaming.

Unless you are trying to allow thousands of people to access your own console from the internet to stream your games to them, you are not doing anything similar to xCloud.

So don't make up some crazy conspiration theory like "Microsoft is taking away our streaming, so we have to pay to use xCloud"