The fact this is not revealed until after you playing the game borders on fraud caused by obvious negligence. No they won’t refund you as I have tried and since I was playing to reach level 10 to post I went over some limit on hours played.
The worst part is not being able to mail between characters and lifting just that restriction would mollify many. I even have an authenticator on my account as I created in in November of 2023 when I bought D2R
Grant me 26 days play time if you are going to cheat me out of the experience of interacting with other players, amazing how Blizzard forgot what MMO is.