No you misunderstand me, I shop digitally mainly also... places such as this company sell you accounts which they have full and main access to... meaning they can and normally do change details, locking you out of the game and there is nothing you can do about it.
Never lost access to any content I've bought digital in over a decade depending on what platform. But I did lose content and money trading in games. These days I build multiple digital accounts up and then past them to younger family members after I no longer use that account. Honest thing if I can get it for £35 from the likes of cdkeys it will be a bargain.
How? You pay this much to lose access to the game a few week/month down the line....
I'll be happy paying £35 for a actual code. Still a good price for people who buy accounts
If they sell to multiple people you'll find your session is disconnected whenever someone else logs into the primary account :-(