And your Blue Ray[sic] collection can burn in a house fire or get stolen.
And, subject to a deductible, my insurance will replace that collection if that happens. If an online-DRM-encumbered collection becomes unplayable because the DRM servers went away, that's just money wasted. There's no recourse, no way to get that collection back (legally), and you've spent money for a content license that just became worthless because you can't (legally) use it.
Talking about wills and inheritance. Just give them the account and password. We're talking aobut movies and tv shows, not family heirlooms.
What you're missing is that physical items are transferrable, and thus have actual cash value. Just like all the other random crap you have around your house, when you die and pass on those Blu-Ray discs to your kids or grandkids or coworkers or cats or whatever, chances are they won't want very many of them (if any), because they'll already own copies of any movies that they want, and they won't care about the rest. However, they can A. resell them on Amazon and make a few bucks, B. dump them in an estate sale and make a few bucks, or C. take them to Good Will and take a tax write-off. Either way, your heirs get something (usually $$) from your collection.
With digital downloads, your heirs have to transfer the passwords for the whole collection to one person, who will want maybe three or four movies out of several hundred. In effect, unless you happen to have a grandkid who wants your entire collection en masse, the rest of the movies in your collection become instantly worthless.
I'll rent DRM-encumbered movies. I'll pay a monthly fee to stream DRM-encumbered movies. I won't buy DRM-encumbered movies unless the DRM is irrevocable and not tied to any particular player hardware or software.