We all know it's "Early Access", but at the moment, TW are not living up to their own advertised blurb on the Steam page of a: "stable experience where you may encounter obscure bugs".
https://store.steampowered.com/app/261550/Mount__Blade_II_Bannerlord/
So lets analyze this statement... "very much stable and playable and players can expect to run into
obscure bugs"? That is blatant mis-advertisement. This game suffers from MANY obvious bugs that affect core gameplay. Many features are also broken or missing and crashes are frequent for many people. The most recent patch also broke the game for many people.
This mis-advertisement of the game opens them up to potential legal issues and would certainly justify refund requests after the usual Steam period has expired. Even if a game is sold as "Early Access", to charge pretty much a full price for a game in this state, knowing that many people will buy it regardless as they are die-hard Warband fans and also because many reviewers and Youtubers re hyping it to hell and back, is in my view cynical and bordering on unethical.
For the record,
I do like this game and am excited at the potential of it... but I will wait for a few more big patches before investing more time into it due to the very rough state it is in.