On the topic of Steam, according to their terms of service, you buy non-transferable licenses for access, and they will argue you can't inherit the games of a deceased person: https://arstechnica.com/gaming/2024/05/after-you-die-your-st... . This follows a tradition of digital media providers asserting deep control over things that you might think you "own" : https://www.nytimes.com/2009/07/18/technology/companies/18am...
(I had a hard time fitting this thread into the blog post and eventually cut it)