[2023] can't load EU4 without linking epic and paradox accounts...???

By Epic - yes it is! It is the same with any commercial software - if you don't agree to the EULA you cannot use that software.

Please seek a refund from Epic for that game.  

If you don't agree with any EULA, you won't be able to run any commercial software at all - Windows included! Up to you of course.