Normally, I would agree with you. In the case of game keys, even though I have a physical cartridge now I have to make sure that servers are still up and available for me to download a game. So the massive market for retro games is kind of null and void if you’ve got a cartridge with nothing but a transferable license agreement on it and no way to actually get the game.
I used my disposable income during the year to drop money in my steam wallet. That’s how I saved for the steam deck the first time around.