That would only work for games you play offline. I don't think you can play FFXIV as a single player.
Yes because Sony allow it. Games work differently than Netflix does. Each game published on a console the console manufacturer, in this case, Sony get a cut. The PSN registration is Sony's way of ensuring each player has bought the game for their console and is not using a friends/PC version.
But FFXIV arr does not use PSN servers for its online portion. Also you can play no problem if you log in before PSN goes down. So FFXIV ARR has absolutly no need for PSN, other PS4 games MP modes have.
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