OSKO is even better than payment apps. Basically every bank offers is as a payment method option (if not the default) for any transfer, at 0 cost. They're also implementing a new system to replace direct debits, to add more consumer protection and control to the recurring billing market.
They might mean instant bank transfers, like OSKO in Australia. Google tells me a service called FedNow is available through 35 banks as of July this year which supports instant bank transfers.
My personal disclaimer on this is that Borderlands is way more fun with friends, but if you want to pay attention to the story you probably need to be selective about who you play with. I find most of the people I've played with don't really pay attention to the story and I either need to skip everything or force them to wait for me, not ideal for either person.
I agree with your points around not preordering, or waiting for reviews etc. However, I disagree with you that refunding after 10 hours isn't the right thing to do for a few reasons.
First, the size of the game in question. For a short, 10-20 hour story driven game, a refund beyond 2 hours is ridiculous. For a large, open role playing game, where somebody spent 120 AUD expecting to get 50-100+ hours of gameplay, 10 hours is perfectly reasonable if you're really not enjoying the product. If I can send back a meal at a restaurant that I've had (relatively speaking) two bites of, I should be able to refund a game the same way.
Second, again speaking for Australia as a jurisdiction, is the behaviour of brick and mortar stores. I can purchase a physical copy of a game, play it non-stop for two weeks, and get a refund. They have no way to know I finished it three times, but strong consumer protection laws enable me to game the system like this. I agree that it's the wrong thing to do, but Steam is aware of the fact that the same consumer protection laws apply to them. While they have enough information to stop people from outright gaming the system, Steam needs to balance that against driving people to other storefronts or back to physical retailers.
Finally, your premise that people can't reserve the right to get a refund just because they don't like something. I would agree with this, if game demos were still a wide practise. I can't get a change of mind refund on a shirt I buy in a physical store most of the time, but I can try the shirt on in the store to see how it looks on me. I can get a change of mind refund on most shirts I buy online, because I have no idea how it's going to look. Yes, you can wait for reviews and watch gameplay, but it's always different when you actually play the game. At the end of the day, it still comes down to "I thought this game would be X but it's actually Y".
A firm, inflexible refund policy in my mind achieves the opposite of what you are looking for. If people can never get a refund because a game simply isn't what they thought, what barrier is their to a mildly successful company ridiculously overpromising, securing the bag, and disappearing into obscurity? If everyone buys the game on Steam and can't get their money back, the company has won in the short term. If 50% of preorders get refunded, the company has just lost all of that money.
Steam can refuse a refund after that time, but they are usually incredibly flexible because a) they want to keep customers on Steam and b) many jurisdictions have much firmer and consumer favoured laws around product refunds, Australia for example is a large reason for Steams current refund policy in the first place.
I don't hate my task paralysis because of society. I hate it because it stops me from doing the things I love. It's also the only thing stopping me from taking the steps to be medicated. You might personally dislike the phrasing of "normal", but try to consider how invalidating it can come across to say that I should learn to appreciate this part of myself instead of doing things to change it.
You just need to zoom in. To make sure it applies to everything, completely close librecalc, open a new spreadsheet, zoom in using the slider on the bottom right, or ctrl+scroll up, until the cells are a good size for you, then close it and that should set the value as the default for all your sheets :)
That's wholly your prerogative, but I just wanted to chime in and say - I was firmly in this camp too, but I've been restricted to a shitty second PC as I don't have access to my usual rig at the moment. Decided it was the time to give Linux a shot after 4-5 years since last time. Every game I've tried has worked with 0 mucking around, outside of games I'm obtaining through uh, less ethical means, which don't just install straight through Steam.
I know it's only anecdotal and I'm not saying you have to change if you've got no reason to, but gaming isn't really the reason it used to be for not using Linux. Unless you only play competitive shooters with Anti-Cheat that doesn't work on Linux.
I'm pretty sure usernames, like community names, are on a per-instance basis. So mantissa@lemmy.ml or mantissa@sh.itju.st.works or whatever it's called might be available
While I agree it's a great feature, I think the reason it's missing from the platform by default is that the intended way of achieving this is joining or starting an instance which doesn't federate with the instance you don't want to see. Many design choices that might seem annoying at first look to be intended to push users towards smaller, more specific instances rather than big ones. This prevents any one host having too much control over the platform as a whole.
Holy moley - OP knows and acknowledges as much in the last sentence. They're doing something for the fun of it. Lighten up.