I’d say no. Because it’s online and attached to your account it can be lost. If for some reason you lose access to your Apple account you lose everything you’ve bought. And a lot of these online services don’t want you to share or transfer your account. So like if you pass away, most of these online services don’t allow you to transfer the account to a living relative (per of the TOS) (granted I doubt there’s much I could do to actually stop you if you just leave them out of it and just give the account to somebody).
I’d say no. Because it’s online and attached to your account it can be lost. If for some reason you lose access to your Apple account you lose everything you’ve bought. And a lot of these online services don’t want you to share or transfer your account. So like if you pass away, most of these online services don’t allow you to transfer the account to a living relative (per of the TOS) (granted I doubt there’s much I could do to actually stop you if you just leave them out of it and just give the account to somebody).