I've started to pirate games again, which I never saw a reason to in 15 years. Simply because 2 hours refund window isn't enough for the crap they sell now. Performance from hell and half assed story after you left the tutorial.
Gamepass kind of stopped me a bit on that, but it's a subscription and only a matter of time till there's competition with exclusives and increased price.
Games also got too expensive, there's more competition than ever and I earn less money than my parents used to, I simply can't pay that much, yet the games start to cost 90€ upwards. So even if I buy a key, it's still 65€ or more, for an often broken game. No thank you.