I don't think you even know what you are paying for.I think their short sightedness in requiring PSN and SE accounts to be linked is also an issue with adding additional service options (xbox, nintendo).
Also PSN is required for basically everything on PS4, I'm not sure why that is even brought up. In order to play Nier and Horizon I just got a little bit ago I had to renew my membership to update my PS4...so I dunno it seems dumb to bring it up since you have to pay for it to use the PS4 to begin with.
I highly suggest you search on the difference between PSN, PSN ID and PSN Plus.
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