Sony responsible for selling the game where there is no PSN and arrowhead’s responsible for making it optional when they knew it was a requirement for 6 months before the launch. They made it optional so that people would play it making refunds difficult. It also seems they were aware that if it would have been compulsory from beginning people wouldn’t have played it or bought.
Why would they knowingly sell a game in 20 countries that would just refund it 10 minutes after first launching it?
Simple answer greed. Sony is the most greedy and bullshit company ever. Proprietary ports, storage media, software. Never following open standards. They know of all the people they have screwed over won’t ask for refund. Even if a big chunk do ask majority of thise demands will be rejected. All companies are willing to take that small a risk.