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After you die, your Steam games will be stuck in legal limbo
(arstechnica.com)
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I am surprised anyone cares that much. I don't. 900 games and a 20+ year old account and I fully get that it all just goes away when I die, it just doesn't matter. That is simply part of the plan when you pay for the convenience of having a cloud of installers and save files.
My kids don't care. They already have their games. If they wanted ones that I played they will buy it in a steam sale.
The things you need to care about are creative software. My kids would be pissed if the artwork I made could never be retrieved. But games? Meh.
I agree with you, especially when viewed with an eye towards practicality. It opens so many cans of worms that it's probably not worth Valve investing any resources.