Yes, i've hated things like iTunes and Steam cause unlike physical music or games you don't own them and as such you can't insure them, now from my understanding, Steam and iTunes allows you to re-download stuff you have brought if say you had to reformat your harddrive, however what happens if you spend (in a lifetime) thousands and an unsealable event causes the server (yet say Steam) to be put out of commission (could be natural disaster, company could have collapsed and can no longer to afford server maintenance), what happens to all your games if you need to install them again, since they aren't property, you can't be refunded in order to get them again unlike what would happen if you insure a collection of games and they are all lost in a fire,
also, me and my friend chip in to buy visual novels (me more than half if you could what i pay you to create a censor patch so i can retain my mental vaginity), if we could only get Fate/Stay Night, Kamidori Alchemy Mister and Tears to Tiara as digital games only off steam (as if they would), then in we would need to share an account insted of just creating an .iso of the disks and storing the real ones somewhere safe