That’s not exactly true. You can pay through an existing credit card via Pix (it doesn’t have to be Visa or MasterCard), or pay in instalments via pre-approved credit with the bank.
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I consider Windows borked by definition. I don’t even have it installed any longer.
I also don’t know what you consider “playable FPS”, and I never had anything on medium. On Linux the only setting I have that’s not at its highest is that I don’t activate path tracing.