Bottom line is, if you use steam, you can't complain. If you don't like steam, STOP using it. Steam will only continue to act as it is so long as people are willing to pay for it.
As for me, I only have 2 games on 2 separate steam accounts. This way I can play either when I want and IF steam decides to lock out one account, I don't lose my other game. However, even with all this in place, I find steam WAY too frustrating to use; forced updates, crashes, an ever changing EULA. It's really not worth my effort and I doubt I'll ever buy another game off of steam so long as they continue with their current business model.
Yes, I miss out on some gaming opportunities....but there are plenty of games out there to play.