If you make an Epic account on PC, play 200 hours on PC, spend $200 on PC, you have the right to use that on a Switch. However, if you play on PS4 for one minute, Sony poisons your account and removes your ability to play it on Switch. Even if you disassociate/unlink your account from PSN, your account is still poisoned. There seems to be no warning whatsoever about PS4 poisoning your account.
That's not quite accurate. You can still use it on PC. The problem is that something you buy on PC which you have the right to use on Switch gets poisoned by Sony the instant you play on PS4, removing the right to play it on Switch with seemingly no warning whatsoever.