Is it unnecessarily complicated though? I feel like while “stop paying more” should be an easy process, “permanently lose access to a thing I already paid for” should be difficult in order to guard against unexpected things, since it is a potentially irreversible event with negative monetary consequences for the user.
Exactly. I found out that I can't remove games from my Steam account even if I want to. I can only hide them.
I figure that's intentional so people can't change their mind about games they've removed and give grief to Steam support. It also helps prevent accidental removal, or malicious removal (e.g. you're still logged in and your kid is upset with you and tries to remove your favorite Steam games from your account).