Yeah. If Microsoft owns my account, they own the OS, they essentially own my PC. At which point do they become culpable to litigation on behalf of their users?

Yeah. If Microsoft owns my account, they own the OS, they essentially own my PC. At which point do they become culpable to litigation on behalf of their users? If I’m a hacker, my defense would be this - Microsoft sent me a suggestion pop up that I clicked on, got infected with a virus, anything past that is Microsoft’s inability to protect my PC, my person, and others from malicious errant code.