With more "security" and "protection" I see more problems for regular users. There are many cases like your laptop dies and you don't remember password for something, and lose access to your data. This is only one example but at work I see so many cases that shouldn't even happen that I just know that anything new they add, will cause more problems.
Two days ago one of my clients asked to help him with his laptop. He forgot pin and the only way to enter Windows was his fingerprint. However, he wanted to disable it and set a regular password. Once he disabled fingerprint login then for some reason Windows started to show errors related to normal password, and pin recovery didn't work. In short once he restarted the laptop then he lost all the data and access to his microsoft account on this laptop.
There are many account issues recently. Many windows updates are causing OS corruption, login issues or other things. I recommend MS to work on their products' quality and support instead of adding new problems to the existing environment.
I'm not using windows account if I don't really need it. There are too many problems with that and too often Windows services/servers are not working properly. MS support says "it happens", but it always happens when you need it. MS support usually won't help you and suggest to browse the web ... where you find many people with the same problems and no answers.
Recently I couldn't log onto my Xbox account which is using MS account. It still doesn't work on my PC while via web browser started to work after 2 or 3 days. On my PC I have MS account set only to work with MS software but I'm using a local account for the OS.