Earlier quoted context omitted.
Windows professional for professionals. Windows home for grandparents. Always has been this way. I'm ok with that. The tiers of OS have different requirements and features. Expected.
I think this should not be related for OS tiers. Every user should have possibility to use different accounts on their computer, and to adjust permission levels of them and choose which one to connect to MS account. One could be sceptical that with admin account required for MS account, telemetry collection and applying some other kind of restrictions is much easier to target the vast majority of the users.
if you want to use a local account, USE ONE.