If you're lucky (if u define that as luck), your account might last for longer if someone isn't in the mood of removing it.
What makes you people think it wouldn't be automated? lol seriously.
As was said before, you account isn't safe if you leave it for 3 months, but if no one takes it on you, you still have it. It has nothing to do with how many games you have on it.
D2: You make a character named Xkdakeaw. You go inactive for 90 days and it expires. As long as no one else had created a character with the same name after the expiration, you can reclaim it and all the items/levels are restored.
Wait really? That can't be right... My characters all had retarded names I doubt anyone would try to steal, and they still expired... you click on them and it goes "this character has expired." I could make a new character with the same name, but none of the items would be there.