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Imagine that all your files have been helpfully encrypted --- for your security, of course --- with a key that is bound to that account you can no longer use.

I'm not sure if this is possible or the default now on Windows, but it's common for mobile devices.

You've got backups. Right?

And Microsoft already controls all your software if you're running Windows. It could already delete your files if they wanted to.

But why put yourself in a position where you may need use them if you gain no benefit from it?

If the original commenter didn't want to use Windows anyway, then they've not lost anything. Presumably they did want to use Windows, and are not because of this issue, so they have lost some benefit they originally wanted, and gained nothing because their system was already controlled by MS. Hence it's pointless.

so.. in that case it means computer belings to MS even if I paid full price?

How would that help? Your account is banned.