That's why it's a great deterrent against punitive account closures. Right now, you pay 100% and get 0%. In that case, you'd get 100% of what you currently have on your PC, but pay 0%.
There's a compromise: they stop accepting any new business from you, but keep everything you've bought available: you pay 100%, you get 100%. It's what they should do, but they don't want to, because the current situation gives them a lot of power.
Hence a new regulation that tips the scales in the other direction to make Steam & co adopt a reasonable stance. The alternative would be to flat out force them to provide access indefinitely, but why not give them a chance to buy you out of your account if they really don't want to do business with you?
