This is how most MMOs work, and it's a very cool thing. What this does is protect your progress in the game. It's not tied to some file on your computer, but rather to the servers.
It means that if your PC has a meltdown, and you get a new PC and install SH5 on it, no progress is lost. Or you could for example install SH5 on your work computer as well as home, swtch between both and the save file is shared between them. It's really cool. Uh, why would anyone ever complain about this?
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