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This is worrying on many levels. So Microsoft force you to create an account to use Windows and then they reserve the right to block you from your own account, thereby potentially making you lose access to all your OWN data. This is crazy and yet another reason to stop using Windows as soon as possible.
I know it's not what people want to hear but my response to a lot of the comments here is just a general, I agree, it's time to stop using Windows. They won't let you secure your drive the way you want. They won't let you secure your network the way you want (per the top-level comment about Wireguard). In so doing they are demonstrating not just that they can stop you from running these particular programs but that t…
Look at the Windows start menu. It used to be trivial to switch users. Two clicks, one to open the user list, another to switch - done. Now it's four: user panel, three-dots, switch user, pick user.
Look at the login sequence. They want their Windows Hello and they don't care if it works well or not - no way to get a pin or password prompt instantly, you gotta click three times (one to show a method picker, another to pick PIN entry, and lastly one to focus the goddamn field) despite no reasons to hide this UI.
It's not like they're trying to scam or sell user into something. It looks like some internal decision-makers that don't ever dogfood their decisions losing touch with the common sense.
Apple has that too, and this rot spreads elsewhere. But it's not intently malicious, a lot of things simply don't make sense - just total lack of self-reflection capabilities at the corporate level.