It corrects your misunderstanding that other companies can issue bans without needing 3rd party accounts. You said:
This proves how it is true, as other companies who want to ban people from their game also require 3rd party accounts.
The correct response is, "okay, I see now. It's clearly standard industry practice to have 3rd party accounts for multiplayer games. However, I'm still going ahead and getting a refund. Looks like you were right, Shifty, and refunds have been enabled in response to this just as you said it would in your
first reply when you said "Thankfully Valve will have their backs and at least support refunds, and they are big enough to take Sony to task over this.". Good call!"