My two cents:
This isn't a problem with digital distribution per se, it's a symptom of a much larger infrastructure problem. The exact same problem strikes websites, companies, governments etc. It's a hard problem to solve and the medicine might be bitter. I think as far as Internet stability, reliability and security goes, not being able to play games for a while should be the least of our concerns. We should worry about companies being kept from doing business for a few days which could kill some companies and cost thousands of jobs. We should worry about dissenting opinions being stifled, minorities being oppressed and journalists being censored through brute force.
Not being able to connect to a digital distribution service is a bit like your console dying, except it's temporary and doesn't cost any money. About a year ago, the disc drive in my old PS3 crapped out. Suddenly all those dozens of games I owned on disc weren't playable unless I bought a new PS3, while my downloadable games still worked just fine. It doesn't happen as often as PSN/XBL outages, but the impact was much bigger.