I think there maybe a misunderstanding here. You are not entitled to a full refund. This is a delay, and EU261 entitles you to compensation, but definitely not a refund. An airline that gets you to your destination late still got you there, so they still provided you the product/service.

The hotel is a different matter. If you found it bad, I think you should contact the hotel management and talk to them about it.

This is common to any and all travel: if you book a flight to get you from A to B, there is always a chance of a delay; the probability of on time arrival is never 100%. This risk may impact things you have arranged at your destination. There are ways to mitigate the risk (e.g. don't plan for anything right after you arrive, or make plans that can be changed / delayed / cancelled, or get travel insurance...)