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You are charged as soon as you order the game.
You can request a refund at any given time before the release.
Also, you can request a refund up to 14 days after the release if the game was played less than two hours.
Its a full purchase, so all content that is already released will be available at once for download/play.
Only unreleased stuff in the bundle will only be available from the release day forward.
Good example is the current "Resident Evil 8 Bundle" on the store that includes the prepurchase of RE 8 but also RE 7 and all its DLC.
If you buy the preorder bundle you get access to RE 7 and the DLC at once and will get access to RE8 on release day.
Just BE AWARE, if you buy a bundle ALL content in it counts for the refund policy.
So you cant play RE 7 for 10 hours and then when RE 8 comes out decides you dont like it and want to refund is.
That is the risk with bundle purchases, all included items count cumulative for the refund limit, so if you pass the limit with any included items alone or through combination then the whole bundle can no longer be refunded.
What you described is a layaway system.
Get a PayPal account and use their system "Pay in 4."
This is how it works every single industry when you pre purchase something. Literally the most normal thing in business.
There is one exception on Steam and it's the SteamDeck and there have been people complaining about Steam not telling them they didn't have enough money when it was close to launch. Because Steam would cancel their order because there wasn't enough money.
That's the thing with the world you sometimes have to sit back and take a different view, even when it doesn't match your own.
That game currently does not have a "PRE-PURCHASE" option. You will have to wait closer to the time it released to see if they put one on the store page.