Was that a general rant in response to any of my posts or just a general rant?
General...
I'd expect it would be case 1.
However...
As with any online purchase/download of software/film/music/whatever it is imperative that the purchaser protects his purchase by backing up the download/product in safety - before any one of a host of disasters may befall him rendering further access unavailable.
I don't specifically worry about Stardock's products as I have no intention of 'ever' not being a Subscriber/supporter of SD and/or its products....however...I have quite a few games and important software [including Technet access to the OS itself] and have on every single occasion ensured I have backed up whatever I have bought.
That is simply good [Internet/computer] practise ...