synfresh: Everything is inevitable in some way, shape or form, but nothing is guaranteed except for death and taxes. This really is the point that many Steam users try to get across. It's not that Steam users are stupid or ignorant. They understand what Steam is and represents. When you buy from Steam, you are in many way buying conveinence and there is a huge value in that to the consumer (see itunes as a prime example of this).
I've not said otherwise. What I have said is that if people are content with this scenario, then that's fine for them. It isn't for me, because I've lived through many of these crashes. As long as you are okay when it happens, and aren't one of those people deluded into thinking "it won't happen THIS time", then you should be okay.
Every crash is preceded by people saying "it hasn't happened yet, it's not happening today, and it won't happen tomorrow". And they're right, until one day they're not. Again, if the consequences of that crash don't matter to you, or the benefits you currently enjoy from the system outweigh that end, then you don't need to worry about it. It just holds no appeal for me, even if you were to factor out other things such games that require a client or an always-on internet connection.