My plan is useless

You can hardly blame Adobe for your disk being full? You need to clear out some disk space on your machine, or get more.

Here's the thing: Advanced raster image editing requires huge amounts of memory, much more than any RAM you may have installed. That's not Photoshop; that's just the sheer amount of data it needs to handle.

So temporary working data are written to disk. That's the scratch disk. The scratch file contains all history states for all open documents, plus overhead for smart objects etc, so it will be orders of magnitude bigger than your nominal starting file sizes. It can be many hundred times more.

Recommended free disk space for the scratch disk should be minimum 150-250 GB, but if you're working with very big files you may need up to a TB.

Again, this is not Photoshop. It's data throughput.

@as_des2346746 you'll need to contact Adobe support about payment refunds
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What exactly is the issue you're having with the scratch disk