You can run Steam games in "Offline mode" if the network goes down and you were most recently logged into that computer, for up to (iirc?) 30 days. And reinsta

You can run Steam games in "Offline mode" if the network goes down and you were most recently logged into that computer, for up to (iirc?) 30 days. And reinstalling the games is easy. You can install a copy on any computer you log into. You just can't play more than one at a time. If you played a game for more than a couple hours, are you really entitled to a refund? And when you mention "Even games dropped by developers don't matter to Steam" do you mean early access games? Caveat emptor. Digital distribution won't magically prevent you from buying bad games. Look at reviews, try the game for an hour or two, and ask for a refund if you don't like it.