So I see that you didn't understand at all that keys sold on some platforms come from publishers and developers themselves.
do you know what authorized reseller means? "An
Authorized Reseller is trained by the manufacturer and
is knowledgeable about the products sold. An
Authorized Reseller has the full support of the manufacturer. An
Authorized Reseller typically stocks the merchandise you are looking to purchase. "
Instant Gaming is a platform where their keys are official.
(1) Are the CD keys official?
"This is the question that often comes up when buying on this kind of website. Rest assured, our CD keys are official as they are purchased from authorized resellers: EA Origin, Steam, Battle.net, NCSoft or Ubisoft."
Also I don't care if Instant Gaming or any other CD keys official platform are able to refund the product (they can refund it as long as you didn't activate the product), I don't care for a simple reason, if I buy a game from them I'll sure play it, so refund or not I really don't care.
Why do I think that Bannerlord is "best game of all times" if I refuse to pay Taleworlds its deserved price? First of all I never said I bought or will buy the game from a CD keys official platform, second of all, what if I do? does that mean bannerlord is not the best game of all time because I'm not paying its deserved price? lol, not everyone is rich and as I stated "49.99$ might not be alot for a worker that every month receive payment for his job, for example what is 49.99$ for someone that receives a 1800$ per month?". So if you can afford the full price, go ahead, but not everyone might be able to do it, show some respect, I just came here to explain that you can buy keys from official and authorized resellers.
I hope I've clarified your doubts and I hope you have understood everything this time, thank you.