Unfortunately, or fortunately depending on your perspective, but unfortunately from my perspective, in the case of Steam games and software, that is largely covered: you paid for licenses to play games rather than licenses, but some of it is DRM-free so you can take backups.
That money in the bank account is yours, unless seized through a legal process, which can happen and you can challenge it if it does.
Everything else, Dropbox, Google Photos, iCloud, emails, whatever, you should have your own backups. You should have them not just for legal reasons or because your service providers might terminate their services to you, but because they might actually lose your data.
You have some rights to that data, but none of the businesses involved in hosting it are compelled to do business with you specifically, and aren’t required to keep it anymore than the law compels them to.
And this is because through the centuries we have enacted enough laws to deter private banking companies from messing with our money. If left to their own devices, we would have DRM-ed money, random service terminations, unexplained money loses, etc. We just need to extend these rights and safeties to other spheres of our digital property through the use of law and its enforcement.
Now if you’re suggesting we have a law that companies which hold our data have to return our data when they terminate their business relationship with us, I wouldn’t necessarily disagree.
But not all property is physical. And increasingly, our property is just data located in somebody's servers: your Dropbox contents, your Steam games, the money in your online bank account.