When you download an Xbox One game from the store, is it available to all users of that Xbox?
The best answer I can find is this quote from the Microsoft Xbox One Support Site:
Q: Can multiple people share the same console?
A: An unlimited number of people can share the same console.
Note: Your friends and family will only be able to play your games if the sharing feature is enabled.
Source: http://support.xbox.com/en-NZ/xbox-one/games/my-home-xbox
There is also this page regarding playing your Digital Purchases on OTHER Xbox One consoles.
Note: The link to "About sharing games & Gold" is a dead link, but I believe it was meant to point to my previous link.
A digital download can be used by any/all users of the purchasers "home" Xbox One console. It can also be downloaded and played on any other console but only as long as the purchaser is signed into that other console.