There are Linux distros that are newbie friendly and looks like Windows.
An end user that does not depend on Adobe, if you are still using that for whatever reason, they have no excuse to don't move to Linux distro OS.
Doesn't that make the account requirement even more scary? So now if MS decides for some reason to lock my account, this will make even the data I have on my local disks inaccessible as well?
Not everyone does everything from a web browser.
The ID along with their telemetry, M/S can map you to what you do and from where. That pretty much makes their builtin disk encryption useless.