Steam is now refunding Ghost of Tsushima for people in affected countries.

Or by making the PSN account an optional feature, the way these shitty integrations almost always were.

The better solution is to not force a third-party tie-in that doesn't really do anything

There are often legal issues to be resolved for each individual country. It's possible, but expensive. Ultimately, linking accounts at all is an unnecessary requirement that exists for Sony's benefit, not yours.