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> If they ban me, do I lose my thousands of dollars of games?

You absolutely do.

Anyway, I agree with you. Digital marketplaces are becoming more and more important and certainly I'm sure I have a lot of money in Steam, Kindle, and various other services. It'd be nice to move away from the Wild West phase given how much money's sloshing around at this point.

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You can still play the games without steam (I often play without internet connection). But of course you'll miss out on a lot of things (multiplayer, achievements etc.) which might be important to you.

a lot of games have actual Steam DRM

You can definitely remove it, but it's not like GOG where the launcher really is 100% optional and you can install and play the games without an internet connection or an account of any sort

For some games this is true. But there's plenty of games which have an 'offline mode' that require you to connect to an auth server before the game will launch.

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