>using a VPN to create it goes against the ToS, and people get banned
Though that seem to be enforced less often than people think it is, one Philippine player (a country that did not have PSN) was ejected from Sony's live esports events because of them entering using another country's flag (in this case, Hong Kong - it is a common practice for players in ASEAN region without PSN, such as Philippines and Vietnam, to create an Hong Kong or Singapore account): https://www.carmudi.com.ph/journal/local-player-qualifies-gr...
Though that seem to be enforced less often than people think it is, one Philippine player (a country that did not have PSN) was ejected from Sony's live esports events because of them entering using another country's flag (in this case, Hong Kong - it is a common practice for players in ASEAN region without PSN, such as Philippines and Vietnam, to create an Hong Kong or Singapore account): https://www.carmudi.com.ph/journal/local-player-qualifies-gr...