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Just as an example, for families. You might want your children to be able to use your content. If they have their own account, that is subordinate to yours in some way, we can give them a path later to upgrade their own account to a full account, when they grow up and start buying their own content. That would be a hot mess and basically not feasible if you and your child shared one login (we'd have no reliable way to migrate their characters/campaigns to a new account).
Or consider a couple that splits up. Big support mess to fork off a new account from a single shared account (who gets which characters/campaigns, etc?) Much easier if it's 2 accounts from the beginning that have shared access to content.
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