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You apparently can transfer saves on PS4/5 offline. For PS4 they can be copied to a USB drive, but more to your point here, the only way to copy PS5 saves around (besides PS+) are to do console backup and restore processes and then during that process say you want to take save games wholesale (and then restore them wholesale). That’s definitely greedy bullshit.
I don’t know what more to say, consoles are walled gardens that consumers pay to be in. Within those walled gardens, the company dictates the rules. There’s plenty of good arguments for using a more open platform like PC. Not the least of which is that PlayStation has had an abysmal console cycle for trying to prove their console is worth purchasing - what with it having basically no exclusives that won’t eventually come to PC, first-party or otherwise.
This would basically be my reply as well. Companies are in the game to make money, and setting up all this infrastructure, not to mention maintaining it, is NOT cheap.