I wasn't poor at all, hell both my parents made six figures throughout most of my childhood, but for a while (early childhood to around 10-11 years old), for newer games that weren't on Nintendo consoles, I either had to do this or pirate my games.
My parents (especially my mom though) just didn't like buying me any newer games and was always hellbent on using the ESRB rating system to police what games I played until I was around 13-14. It kind of ruined my childhood a bit tbh, though I was able to play some of the OG Xbox/PS2 classics at friends' places and was able to pirate quite a lot of PC games. Interestingly enough though I have dozens of early gaming magazines they let me buy and actively had a subscription towards which showcased the M-rated games in graphic detail.
I had only a few physical games, and the majority of them were either on my DS or Wii or from the 80s and 90s. First time I went to my cousin's house when I was like 11 I was shocked that he had an entire wall of games, and his parents made much less than mine. Some of the only physical PC games I played before I knew how to pirate was like the RCT series and Doom and Wolfenstein, and I probably put at least 2k+ hours on RCT3 alone when I got it a bit after release.
Steam was a massive game changer early on because I was able to buy what I wanted around my birthday or the holidays without my mom policing me, my game collection jumped from like 30-ish physical games to a bit over 100 digital games in a year around when I created my Steam account. I just had to "promise" her that I wouldn't buy any M-rated PC games (I did

).
Though it would have been nice to play GTA: SA and F.E.A.R and The Suffering back when they were new... if I was a parent I wouldn't ever do that kind of thing with my kids.