I get that Steam is where everything and everyone is at. And that the user experience and functionality is best there BUT having another player to try an compete with Steam is a good thing, right?
If anyone can try, it’s the Fortnite Bank.
So, why the hate?
Here is the mistake. It does not trying to compete. It only tries to catch as many fish in its bucket as possible, while leveraging (burning) Fortnite money.
It’s a wasted effort, and it will never come close to Steam like this. It may even die along with Fortnite, or degrade further.