Back in my retail computer technician and sales days, it wasn’t uncommon for somebody to lose their Bitlocker keys, and encryption did what it was designed to do - make the data unreadable without them. Sometimes they didn’t even understand what they enabled.
To that customer, Bitlocker itself was a threat.
In my small sample size, I’ve seen that more often than lost laptops. I’ve also seen many more malware infections.
Tying encryption to the TPM, which is the default, makes it easier to lose those keys. With LUKS I choose my own password.
It’s an important implementation difference, especially if it is going to do it by default. Warning a person “you will lose all data if you don’t write this down” in big bold red text is sometimes not enough.
Does tying those keys to your MS account fix that failure method?