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After you die, your Steam games will be stuck in legal limbo
(arstechnica.com)
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I don't see the issue. The account is tied to an email address with which you can reset the password. With a death certificate you can transfer access to the email account to a different person, reset the login password, change the email address it's tied to and change the banking details.
So the Steam account can be transferred, they just don't do it for you.
https://support.google.com/accounts/troubleshooter/6357590?hl=en
From what I know, you cannot access or transfer a email account on death, at most you can close it.
So again, there is a need for legal ways to transfer our digital goods in my opinion because unless you have a will, which so many people don't have set up, with passwords for all of your accounts, which you'd better be updating on every password change, if you die suddenly before you can transfer your account in a orderly fashion, you can be hosed with passing on digital goods
If you can't with this one particular email provider, you can just use a different one, or even your own domain.
Google has a feature that lets you automatically send your account login info to an address of your choosing if you haven't logged in in over, say, three months. If I croak unexpectedly, my family will eventually receive access to my email and will be able to subsequently access anything that email was tied to.
Not a huge fan of Google in 2024 but this feature is worthwhile.