They do make money on those accounts as they only have to keep 10% of it to hand and can loan out the other 90

Converted recently and happy to find that all but one (relatively niche, command: modern operations) game I played work on linux out of the box. Decided that I’d rather claw back control over my computer and switch rather than have a single game working. Haven’t looked back since. Check your library in protondb, it may surprise you.