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Steam accounts are free but that doesn't mean users are entitled to such features and if they cannot afford to commit a measly $5 USD to their account to access such things; then they really shouldn't be gaming on PC. If people have access to the internet, a computer; there are numerous ways of addding funds to their Steam wallet or purchasing games and they should be thankful that the limitation hasn't been raised to $10+.
If people cannot add funds for whatever reason; then they can still access their account and play games but they just aren't entitled to have free reign on the balance that phisher prevention is far more important to the service than upsetting a minority.
Also seriously, how many people have to be that stupid to get fooled by those fakes for valve to add this thing, same with the web filter, sure makes sense, but if there was any way to disable those, I'd do that the next second.
People should still be able to add friends or join group chats if they are legit and there should be a better alternative to this system.
The rationale was to make it fair to everyone. One of the primary reasons to disallow keys as a method to unlock your account was due to many just buying up cheap bundles, thus circumventing the whole $5 invested idea. Steam gifts as well, such that each account has some sort of tangible, trackable payment method to verify identity.
Valve have plugged the gaps as best they can on Steam and it has been a monumental success. Sadly there is still too many users who become compromised through 3rd party sites and this is still proving a massive issue but at least Steam is cleaner. With the new authenticator security layers and trade holds; the security is ony going to steepen in time. There is no other way really.
Yeah, there was a time when you could just buy humble bundle for literally 0.01$ and get a few games that are probabably worth 5$... Then they added a 1$ minimum for these bundles but it's still dirt cheap.
Steam needs a good old-fashioned analog version like GOG's GOGbook. https://www.youtube.com/watch?v=Pc6zIAq2J7A
77.000 is usually less than 1% of the total online users at any given time (currently over 9.2 millions). While I am glad I no longer get those 1000+ invites every day, the solution to this problem could have been much much simpler and less damaging to the real new users with good intentions. It's never about whether I can or cannot afford the $5 - bots would simply use Russian Kiosks to premium TF2 for 50 cents and voila..
The new trading holds (aka escrow) was also installed because of that less than 1% of users who will, no doubt, continue to be scammed and hijacked, ignoring the rest 99% entirely.
Lately Valve are becoming notorious for going around problems, instead of fixing them.
The Escrow saga is irritating but once again; it's been born out of neccessity because of the existing phishing (outside of Steam) we see now. It protects users inventory and account integrity and lessens the headache Support have currently now for a more swifter service. I'm willing to bet that 90%+ of compromised users are low level, one-stop shopper users with no common sense of basic online security, that don't give anything back who are dragging the infrastructure down and they should be blamed on all counts. Limited users can still accept friend requests but for other features such as the market; an established financial trace is a must.