If it was an object in your house, and they made it disappear and left you some money, that would be theft. Thoughts? I'm not convinced 'making digital goods

If it was an object in your house, and they made it disappear and left you some money, that would be theft. Thoughts? I'm not convinced 'making digital goods disappear' is good. I know WHY it's done and totally understand the justification, but I continue to dislike and distrust the practice. Should we normalize the idea that everything we own is fungible, at the discretion of a third party, for its exchange value? Under what conditions do they get to swap out our property for replacements or money?