That first sentence is right on the mark. The rest is wishful thinking, which won't happen. If shit actually hits the fan, you have to expect to lose all of your digital content (especially including PSN+), because they simply don't owe you anything.
https://www.playstation.com/en-us/legal/termsserviceagreemt
For Valve I could see them releasing a patch for their own games. But patching all games on Steam? I have to doubt that they made contracts with everyone, that would allow them to do this. They would have to literally allow piracy (migrating games from one system to another without any access control at all).
Steam claims if they ever go out of business they will make sure everyone gets to keep what they bought. That's what they claim. I think though people have to think if they are going out of business, except for being people of honor, what actual motivation do they have to keeping that promise? They don't need to keep you as a customer, they're about to no longer be around. And they probably have a lot of other things that they are going to get pre occupied with as well (for that matter being able to pay the developers who would unlock all the software.... if they are going out of business it could very well mean they don't even know if they can pay their developers). And, we're also assuming the same people will be running Valve if/when it goes out of business and that they won't have had a change of heart.
That's why I'm saying I wouldn't be surprised if they didn't follow through on their word even if they are truly well meaning and think they will do that. Not saying they won't either, they may very well have. They may have it set up so that all it needs is a flip of the switch so that will be an easy thing to do if they are going out of business (and they may very well have already set it up in their licensing that it is mandatory they can make the games playable without them around if they go out of business).
(Oh, and as for Sony, I wasn't claiming they would be that nice if they go out of business, just that they could. I fully expect it is a you are SOL if it happens).
But... really, as I keep on saying, this discussion is not relevant to this thread, it's kinda going off topic. But, it's not so bad now since OP's problem has been solved so at least it's not distracting from trying to get a solution.