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The only reason valve would terminate a steam account is if you were buying and selling them which is a violation. Or if you were doing really shady stuff like stealing money/fund etc.
But every online place has that. Just like all the FPS that ban your account or block your ip when caught cheating or stealing funds/money.
And its only if the game actually requires a steam account. Example you cannot launch OOTP directly from the .exe it will always launch steam first.
But plenty of Paradox games and others I recently played Underrail you can directly browse the folder and launch the game without steam even needing to be open.
Its why my CK2 time is so far done. I played the heck out of that game 7 years ago but I launched it directly from the exe not going through steam. So it doesn't even log your hours in steam since the interface is not even opened.
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