Let's say you and me want to get Dead Rising 3. I would give you $30 and you would purchase the game on your account through the marketplace. After you've purchased it I would add your account to my Xbox One. Once I've done that I make you the primary account on my Xbox One and then I'd be able to play the game.

So how this works is you will need to find a Game buddy that you can trust and you will basically go halves on the games.

Steps:

1 - Get your friends info and log his/hers account on your xbox
2 - Go to settings -> My Home Xbox and set his gamertag as Home Xbox
3 - Have your friend do the same with your account on his/hers Xbox One