> Steam is popular and has a loud following because it does not make unethical choices that annoy users.

Not true. Valve fought (and lost) a drawn-out legal battle against the Australian Competition and Consumer Commission over the rights of consumers using Steam, including right to refunds: https://www.accc.gov.au/media-release/full-federal-court-con...

The outcome of this case paved the way for Steam's current refund policy.