I have the same problem, either life gets in the way just long enough for me to lose interest/find picking the game back up to be too daunting, or I get side tracked on side missions and getting the best gear before fighting the last boss that I get bored/lose interest. Ironically, the games that I actually do beat, I am generally so overpowered by the end of it that the final boss/mission is little to no challenge and I lose interest immediately after.
Did the same for FFXI but game cards didn’t exist so I had to beg for my dad’s cc number which was a huge deal in 04.
I keep telling my family to just give me steam cards for Christmas but they don’t like giving gift cards cause there’s “no thought” but don’t understand that I don’t buy physical games anymore.