That last one is the reason I won't buy digital on console. I had a bunch of games on my 3DS when it was stolen. I got a new one and asked Nintendo how to transfer my games, all of which were associated with my account, to the new system. I was told I couldn't, games are locked to the hardware, not the account, and could not be recovered. "If you had a physical game in the slot and it was stolen, you wouldn't expect to get that one replaced" to which I responded "no, but when I leave the house with a physical game I take one cartridge, I don't carry my entire $300 library with me". Ticket closed, no response.
A few years later (yes, years later) I did get a response from someone telling me that if I sent them the police report they'd be able to do it, but by that time it was too late to file a police report (at the time I didn't feel the need to thinking it was 100% a waste of time (and at the time I would've been correct)) so there was still nothing to be done.