It is unbelievable that 20 years after the introduction of 64-bit processors that many still use 32-bit. The 64-bit CPU can recognize 256TB of memory which is more than anyone can need.
Steam says over 90% are using Windows 10 x64 or Windows 11 x64. Windows 7 and Windows 8 holdouts make up a declining minority. Windows 11 accepts Windows 7 keys fine.
Windows sandbox needs more memory to run efficiently and 64-bit systems allow it to keep the browsers safe from malicious websites. Edge and Chrome are both 64-bit.
There are some legacy operations that are mired with using relic operating systems. There is not even any effort to test the systems with 64-bit operating systems. Sometimes the problem with the source code being unavailable the problem can be compounded. This is why open source has grown substantially over time.
Back when Windows XP x64 was released I had a 64-bit processor and 4GB of RAM. Immediately the machine ran better however the hard disk of the time was still pretty slow. It took another 10 years before SATA SSD came to market and 5 years later the M.2 NVMe came to market.
Motherboards are much less expensive now, processors are also cheaper. RAM prices are really low but scale by capacity. 2x8GB is not expensive and it is adequate for 64-bit Windows. 4x8GB is a few more pesos but the larger amount of RAM is an advantage with modern games. The real headache is the cost of video cards which have been gobbled up by mining interests. See Cram it with RAM.