Do I have to wait the 90 days or could I switch it faster since I own both steam accounts? My friend told me a out the family share account thing but I mistakenly bought shadowkeep before realizing what happened.
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If you need to remove an account from your profile and add a different one in its place, then the only way to do so would be to disable cross save first which means you'll have to wait 90 days to re-enable it. You'll have to check with Steam if D2 can be "family shared" as that would be a feature on their platform, not a Destiny 2 feature.