If I put money in a bank, it is fungible; I can move it to another bank, another account, another person. If I buy a license to play a video game on Steam, I o

If I put money in a bank, it is fungible; I can move it to another bank, another account, another person. If I buy a license to play a video game on Steam, I only own that license on Steam with one account (with some exceptions and provisions for gifting etc). If I buy a license to for a movie on iTunes, I only own that license on iTunes tied to one account. Will consumers band together and demand that their media licenses be fungible? In other words, how many things are 'accidental banks'