10% is a joke and people saying 'it's better than the current 0%' need to understand - no it's not. The current 0% allows me to maybe play the game again one day - or let friends/kids play the game. It needs to be worth completely losing the game from your catalog.
You can't make a statement like this for everyone.
There are many who buy digital games that they are never going to start and/or play again -- especially single player games, yearly shooters, or yearly sports titles. So yes -- getting money back to use for new games would be better than keeping them tied to an account for these people.