If you cannot do it legally then it’s not legally ownership. You are talking about de facto ownership, which is another thing entirely.

I can totally bequeath in my will a safety deposit box with notes containing all if the credentials required to access all of my accounts and devices, functionally giving away my Gog account. However, if Gog or any of the publishers involved find out that I am legally dead they can totally ban that account and pursue legal action against anyone else who accessed it, violating terns of service