"Take their money and run" is one of those standard operating practices in big tech that I think obviously needs legislation to curb. Once you start looking, you see it everywhere; whether its movies on iTunes, books on Kindle, or costumes in Fortnite. If you break their ToS, they're allowed to cancel your account, without recourse, and take away all the content you purchased. Its especially egregious in gaming, where a false accusation of cheating can cause your account to disappear; and because there's a "guilty until proven guilty" stigma against cheating, by-and-large gaming company support teams will not help. They'll auto-ban accounts, hardware signatures, even IP addresses.

Content providers should have the right to cease service to customers who don't abide by their terms. I don't feel that's unreasonable. But, consumers need recourse for the monetary investment. I'd strongly support a law worded something like: Digital service providers who sell transactional content & goods must either (1) offer the goods in an exportable, unencumbered, similarly accessible & functional format, or (2) at the time of service-provider initiated account termination, for any reason, reimburse the user for the full cost of goods purchased.

Many companies would argue: "we don't have the money anymore, we had to pay rights holders." I'd respond, that sounds like a You problem, and maybe you should consider clause (1). "The rights holders won't go for it"; again, that's a You problem. Work it out, or lose money; that's what consumer protection laws are for. They're not to protect your revenue streams.

Some gaming companies would be especially hurt by this, because of the prevalence of blank-check anticheat enforcement and their general inability to meet clause (1) due to the latest Fortnite cosmetic not really being "equally functional" outside the context of Fortnite. Well, I'd first respond: Your reliance on unjust business operating practices is a You problem. But more critically: maybe this will be the kick in the butt these companies need to invest more heavily into more accurate & functional anti-cheat, better customer support, and even new innovative revenue models. I've long felt that gaming has underutilized subscription services, and preyed too heavily on "free to play, pay $100 for the cool stuff later". Battle passes are kind of like a subscription service, and if the terms & expectations of the purchase are rephrased to be more service-like, rather than transactional-like, its reasonable to me that those should escape the law.

The best argument against a law like this is: consumers can, of course, break a company's terms at any time they wish. Most choose not to. But if they wanted to, the purchases with a content provider become something like a bank account, which they can utilize as they wish for as long as they wish, then get a full refund. Response: First, I think this should drive companies to clause (1). There's an out; you just need to work with the rights holders and accept that piracy will happen whether or not you try to control it. Second, again I think it comes back to mixing metaphors; Fortnite sells Goods, but they're only functional within the context of the Fortnite Service. Maybe they should sell the Service, and include the Goods. Third, this is a gap that insurance feels well-suited to help cover. Fourth, I think this would drive more companies to better KYC, so if anyone pulls this, at least they can only pull it once. That's not a bad thing.

The point should be to align what customers expect with what providers sell. If Netflix cancels your account, it sucks; but you don't feel slighted. It was a service; you understood that if you stopped paying, the service goes away. In comparison, the goods Apple sells (Apps, Movies, Books, etc) feel a lot more like going to the DVD isle in Best Buy; and its not ok that companies are allowed to slight customers like they do.