OK since this is my first MMO on a PC I am still a little confused by the problem here. If someone can explain the issue it would help me a little.
Long story short my current account is not "Steam" since I've been playing since pre-access. I bought a Steam version later so I can play using Steam and chat with friends. After hearing all the complaints, I recently used the Steam product code and created a new account under Steam to see what all the fuss is about. I don't see anything that would indicate that it is "Locked" to Steam other than the new Steam Pay option (Figure 1).
I do not have Steam on this computer and I re-downloaded the Amazon version of the game and see if I can log in using that. I was able to log in and play with no steam using the "Steam" account. If someone can please explain it to me would help. I am attempting to make a YouTube of what I have here so I can explain it better.
P.S. Now something that just came to me. Maybe your Steam account is locked to your SE account meaning if your logged in as someone else in Steam you can not log in to your SE account. This would be the same as the PS3 and PS4 versions that I also have locked to my account. But as far as I can tell, if you have a copy that is just pure PC XIV then you can use your account.