You’re right, I don’t, but it sure as hell makes it a lot easier to keep the hundreds of games that I have purchased organized. Not to mention I don’t have to manually keep each of the 95 games I currently have installed updated or have to worry about backing up game saves or having them available across multiple different devices with zero effort from myself.
Steam isn’t perfect, but it does add a massive amount of value for consumers like myself who take advantage of a lot of the different features that are mostly unique to Steam as a platform.
Also, I believe when a developer releases a game on Steam they are given the opportunity to use Steamworks, which provides a lot of potentially useful tools for a game deceloper.
That’s generally why when you’re younger people tend to put their retirement funds into riskier investments and over time as you get closer to retirement you move portions of your money into less risky things that don’t have the potential volatility of the stock market so that by the time you retire you don’t have to worry about the stock market dipping and blowing out your retirement funds. At least that’s one way to do it; obviously this isn’t investment advice and you should seek your own professional investment advice.