Just make sure your family has a way to access your account. I very much doubt that Valve or most publishers will care that your kids have access to decades-old games after you’re gone. Although I could see Ubisoft trying to take action out of spite, but that’s only if they’re still around by then, they’re on pretty shakey ground at the moment.

Better option if this is an important issue for you is to only buy DRM-free. You’ll have to wait for most AAA games, but most AAA games these days are increasingly not worth it anyway.