If your OS installation is bound to an account, and this account is blocked for some reason (which is not too hard to imagine, since on HN there is a post about such things happening twice a week) - what may be the consequences of this?
You shouldn't lose your gmail account for being an asshole on youtube, and one shouldn't lose their access to their local computer even for commiting fraud on the MS app store (whatever it's called)
One should be able to get banned from gmail if you really break the rules of course, but great care needs to be taken, and the same care (and even more) to make sure you don't lose access to your own computer.
Need to get a new computer? Doesn't seem the end of the world for such an unlikely act.
I'm not sure if this is possible or the default now on Windows, but it's common for mobile devices.
And Microsoft already controls all your software if you're running Windows. It could already delete your files if they wanted to.