Maxvorstadt: No, it would be similar to inheriting a bank account. :-)
Piranjade: The content of bank account is property, that is not the case with the games on the Steam account. You only have a license to access them.
While in both cases you may have a service agreement, your relation to the "object" the service agreement is about is totally different. You own the money in your bank account, you don't own the games in your Steam account.
That's why it is closer to a library card IMO, as this also only gives you access to the books in there but you don't own them. (Admittedly to ALL the books in the library which is kind of a better deal than Steam ;-))
Not sure if the library is appropriate comparison, although steam and major part of software industry is pushing for that
Netflix is like library, you pay a monthly fee and you are able to access all of its inventory. I think there was/is similar service for games, but Steam does not provide that kind of service.
in the end, money you spent to read 300 hundred books or watch 300 shows(or episodes) is far lesser than you spent on 300 games in your Steam/GOG/... Library
and you have access only to those titles
for the comparison to be fully appropriate prices on steam would have to be significantly lower than those of physical copies of the game (not considering discounts)
legislature in the digital goods(rights)/information technologies fields is years if not decades behind the developing technologies
