Windows also made it nearly impossible for a regular user to set up a local account, and when you go for the windows account it automatically enables Bitlocker. People aren't used to doing it this way, so no-one actually knows the importance and impact of the account.
Did I mention Bitlocker likes to trip itself? There are waves of the same laptop models suddenly requiring the key at the same time. I've seen a dead battery, a random update, or an unsafe shutdown trip the encryption. MS might say they made it to protect its users, in reality is just more planned obsolescence.
Easiest way to setup with a local account:
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During the setup process, press Shift+F10 to open a Command Prompt window.
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At the prompt, type the command:
start ms-chx:localonly