This was actually a funny question at work over lunch. A few of us have kids and like most tech guys over 30, our steam accounts have turned into collections. So I asked, who gets your steam account when you kick it. It’s difficult to think about and seems baffling to spend thousands of dollars and hours assembling a collection only for it to poof away into nothing.
Haha. I actually back up my steam collection via torrents of GoG releases.
Now, I can to some extent automate the rip-out of steam integration, there are solutions. And thus not rely on torrents. But why would I if it's the same thing in the end, and torrents are that much simpler.
When we were in college, one of my friends joked that their stream library was their largest financial asset.
When stream trading was more of a thing, and we had a ramen diet, it was probably true