Not saying young people never die, and my sympathies if someone close to you has, but as a percentage thing if you're young, the likelihood of you dying is relatively low, and the probability that any game you buy now still being playable by the time you die given hardware and software advancement is even lower. If you did die, the likelihood is that your friends who you might want to leave your account to, already have the game.
If you're old, chances are in the general scheme of things you're unlikely to be playing that many games in the decade or so close to your death, but if you are, the total value would most likely be a small part of your estate.
Again, there might be exceptions but they will really be exceptions. I can't see this as being a serious problem.