I claim bs at this whole apple privacy thing, nothing but propaganda.
Two years ago I was locked out of my MacBook pro.
Then I just booted in some recovery mode and just..reset the password!?
Sure macos logged me off from (most) apps and website, but every single file was there unencrypted!
I swear people that keep boasting that whole apple privacy thing have absolutely no clue what they are talking about, nothing short of tech illiterate charlatans. But God the propaganda works.
And don't start me on iMessage.
You chose not to enable FileVault during setup. Probably because you were worried about being locked out and wanted an easy way to reset the password.
Would you prefer that Apple did not give you the option to disable the security feature you disabled during setup?