If you lose your GOG account, its no loss if you have the sense to back up your games and extra goodies, But loose you Steam account and you lose almost all of your games, so there is a HUGE difference.
A difference in degree, but not in terms of a lack of DRM or not.
By your flawed logic, retail games always have DRM if you have to buy them from a retail store. After all, if the store is closed, you can't get the game in order to bring it home with you.
What DRM is referring to is that after you have obtained the game you bought (ie. brought it back home from the store, or downloaded the installer from GOG servers to your computer), whether it still has technical measures to control, and even change
, your access to the game after that point (=obtaining the game). Steam has that power, as all the hoopla over the non-functional offline mode so painfully proves. GOG doesn't, GOG can't prevent me in any way accessing the games I have obtained from them.
If you just keep your GOG games on GOG servers and don't download them to your computer, that is similar to keeping your retail games at the store (instead of your home), even though you have paid for them already. In both cases you intentionally let the store you bought the game from keep control of the game. It is your decision, not DRM.