Yep, wanted to write the same thing. I remember 2 occasions when even Windows 10 Pro attempted to force me to login into MS account when booting my Laptop. Somehow I skipped it (I don't remember well what I did, since obviously they made it unintuitive). Much later I eventually logged into the account just to buy Minecraft, but boy, this sudden forcing to use MS accounts during the boot was so disgusting. I guess this is becoming much worse now. After learning that MS is making harder and harder to setup local account (eventually it will become impossible?) and even Notepad can ask for MS account, I deleted Windows and installed Ubuntu.

Online accounts are fine when optional, but unacceptable when forced.