That's fair. It often is the case though, and I think many people don't consider that as being a problem because it just doesn't occur to them.

I think Valve is an example of a company that does it well, since you can download the game if Steam were ever to go under, etc. and you can add non-steam games to steam. It's almost unavoidable that they do it well, though, since steam is running on PCs (mostly).

But Nintendo does it badly. If Nintendo decides to stop supporting Switch downloads, my digital content will vanish (unless I root my switch, etc. but then I may as well just pirate everything). But, at least nintendo has a card reader for their games - if they got rid of it, I'd never truly own any Switch game and would also be forced to pay massively inflated priced for re-released old games, crappy switch ports, or Nintendo titles which almost never decrease in price or go on sale.