I get that Steam is where everything and everyone is at. And that the user experience and functionality is best there BUT having another player to try an compete with Steam is a good thing, right?
If anyone can try, it’s the Fortnite Bank.
So, why the hate?
Typically, when Steam handles the matchmaking, it’s peer to peer. But in general, they also sort of broker the connection between you and the other player or server. Street Fighter 6 runs its own servers and matchmaking, but if Steam cuts out, I lose my connection to them.