Ebay telling you to do it is different. Try a chargeback on steam or origin and you’ll potentially lose your entire game library.

While that would get the money back, credit chargebacks often result in being banned from stores. It’s safer to try working with the store first.

Creating a local account on a clean install of Windows 11 currently requires disconnecting ethernet during setup, a secret keyboard shortcut to open a command prompt, and entering a special command. I’ll be surprised if this workaround doesn’t go away in the near future, too.