Upgrade your gaming PC for multiplayer and use your Playstation consoles for SP games and exclusives. It's dumb as hell that you can't change your region. I change my Xbox region to AUS all the time to snag free DLC for MP games I am playing and when I go into matchmaking I still get good matches. Not surprised Sony would allow you to buy currency but then not allow you to use it or give you a refund. They do a lot of stuff right but their policies regarding purchases have always been complete garbage.
Switch probably isn't a bad alternative either, tbh I have never used mine online outside of a few MK races.