PSN accounts, in particular, are pretty bad. In some places, they require a photo ID in order to make an account, and in many regions of the world, you can’t make one at all. Something like 50 of the regions where the game was sold can’t make PSN accounts, and using a VPN to make an account or lying about your region is a bannable offense.
It’s a valid concern, both from paying for something that you can’t even use and a privacy perspective.