I'm by no means suggesting it's normal or that I think it's okay Microsoft removed the native ability.

You're right that I probably made an assumption that someone posting on hacker News would have the technical ability to hit a keyboard combination and type a command on a command line and hit enter, which is essentially what's required currently to utilize the local account ( https://rtech.support/guides/bypass-11/ )

My reply was intended as more of a direct message to OP, as opposed to general advice I think every end user should know and follow. I should have been more clear.