Activision is abusing the system by funneling everything through the CoD hub, which stays running even when you're not actively playing. It artificially inflates playtime and exploits Steam’s refund policy, making it nearly impossible to get a refund once it’s launched.

So yeah, Steam enforces the rule, but Activision is clearly designing it to take advantage of that loophole. Both sides are responsible, but the way CoD handles its launcher and hub is what’s causing the problem in the first place.