Yes, it’s true that you won’t be able to access your third-party games through Luna anymore. However, you’ll be able to access those games through the third-party account you had to link to Luna to purchase the game. As an example, if you purchased a game from EA on Luna, then you’ll be able to continue playing that game through EA directly after these changes to Luna’s services go into effect. You aren’t getting refunds because you aren’t losing the games. You’re only losing access to them through Luna, which is fundamentally different from losing the game entirely.
https://www.dualshockers.com/amazon-lunas-changes-has-players-panicking-but-they-dont-need-to/