If you don't login for 36 months you lose your account and purchases
EU instructed Sony to follow this 36 months rule but it doesn't change the fact that somehow pro digitals will still find a way to defend no physical media decision.. "bro just login.. who the hell goes on without logging in for years.."
There could be various reasons. Life events.. maybe you simply lost interest sold off your console but later had a change of heart and decided to come back only to start over and re-purchase stuff. This kinda shit doesn't happen with physical media.
"But why would they spend on resources to keep inactive accounts" bruh account data with purchase details can be simply stored as simple JSON file which is hardly few kilobytes. Even millions of inactive accounts data would take up like few terabytes at best. You telling a billion dollars company can't afford a few TBs? Pfft...
Just remember with digital you are always at the mercy of these corpos and are one decision away from losing your shit that you bought over the course of your lifetime.