Accounts cannot be unlinked for anyone for any reason. There are 2 reasons for a 90 day wait. Purchasing silver automatically starts a 90 day cooldown. Disabling cross save will start a 90 cooldown till cross save can be enabled again. "Nothing" can be done to shorten the wait times. Nothing is lost or deleted when enabling cross save, one account is the main and the others go into a dormant status until cross save is disabled. At which time the accounts go back to their status before cross save.
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I understand the concept, but what doesn’t make any sense is that I have to authenticate everything, I can’t just unlink one account at a time. Because I have the Xbox acc and Steam which I want to Unlink, I’m fine with PSN staying. But I can’t get rid of Xbox or steam until the PSN 88 days is up which doesn’t make sense.