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No leaving a Steam account in a will after you die according to Valve
(www.gamingonlinux.com)
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this post was submitted on 28 May 2024
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You can literally just download copies of all your games and give them the installers, even if it's in the TOS, there's nothing stopping you from bequeathing them via a drive practically speaking.
Its the same with password sharing on steam. Doesn't mean its not against ToS
The difference is that with GOG once you buy something, you can download it and have it forever, with nothing short of extremely drastic measures that the company can do to remove your access. With steam, all they have to do is just disable your account, and you lose everything.