Perfect. Finally. I understand needing two copies of the game to play online (one game code per user). But local split screen shouldn't be that way and neither should playing seperate games force me into individual play sessions. Each game code should have capacity to run an individual account. Not one account to each owned game.

This has been my gripe with steam and purchased digital games vs physical games since it's concept. It felt like I was renting play sessions with my ID license rather than owning the games I paid for.