I hate it, not because it requires an account, but because Microsoft is nightmarishly bad at account management and has been since I was a little kid in the 90s. They somehow make it possible to have multiple different unsynced accounts across different services, so you constantly forget which is which, and resetting or gaining access is always an incredible hassle. I find myself having to reset my password literally anytime I want to log in to something owned by Microsoft.
If they could get their act together, I wouldn't mind. Most software these days requires a log in for full use, including most major web apps (even HN, you can't comment without an account of course) and services like gaming consoles, Steam, Spotify, etc etc. It's normal. The only problem is Microsoft sucks at it.