The online account is crap. I converted my offline account recently to the online one, just to see what's the difference. The difference is that I cannot even

The online account is crap. I converted my offline account recently to the online one, just to see what's the difference. The difference is that I cannot even set a password, it asks me to set up a PIN number to log in. Of course you can set it to accept letters in your PIN, so it can function as a regular password. But what the hell is the point? (In fact, I didn't set any PIN the first time and at the next reboot I had to log in with my Microsoft account password, which is decidedly more complicated that the not-very-secure one I use to log in my PC. Thank god I have a password manager on my phone.)