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Credit cards, PayPal pay in 4 or actually save up some money yourself.
Valve already offers free weeks/weekends for game devs/pubs to use.
You are essentially suggesting a way to bypass refund abuse.
Users should not have that kind of control without a subscription like EA Play, no.
..and what happens when people dont have the funds in their accounts and have played the game? More something for nothing? Or should we ban the account from purchases until they settle their balance?
Theres a reason sales are generally "pay first".
Abuse of such a thing would be rampant, especially when people make alt accounts to get around any restrictions you mentioned. People will do anything to play games for free.
Game dev/pubs would not be happy about this at all.
As for subscriptions like EA Play... https://steamhost.cn/subscriptions/ea
I pick a game today, choose a date a day or two away. Play the game and then return it after a two hour window (the automatic refund limit)
I've not spent any money, I got to play the game, and I got to get rid of it. I am essentially grabbing any game I want, and turning it into a demo.
As it stands with the current system, where people pay first, when they refund/return the game before the two hour time limit (if using the automatic refund window) they will eventually get a warning essentially telling them to not treat the refund as a means to demo games or they'll lose the ability to refund entirely.
Your suggestion would allow people to bypass this, at least with the way its currently worded.
Valve typically suggests more for MP than SP but re-playability comes into play...
https://partner.steamgames.com/doc/marketing/discounts/freeweekends
Last SP game I play on multiple free weekends was Fallout 4 before I eventually bought the game.
Thats what I think as well.
If you are an honest man who just wants to help people you should always eschew any thoughts of what you could do if money were a bit more flexible. It is like swimming with sharks.