The issue is lots of folks create Microsoft Accounts then promptly forget the password, then set up the auto-login they know and love. I bet there are millions

The issue is lots of folks create Microsoft Accounts then promptly forget the password, then set up the auto-login they know and love. I bet there are millions of forgotten / zombie Microsoft Accounts. A lot of people are about to have nasty surprises the next time they reinstall Windows because their kid downloaded some malware and realize their data is all gone.