This is a case of whether the device should be secure by default or if the user should have to opt in to security. Microsoft has chosen the position that account security should be there by default which is why it's not opt in for using an Microsoft account. I think this is a reasonable design decision to make.
>Here's one.
An app store recommendation is not an ad. The OS is helping the user find content that they may be looking for. It isn't an ad surface where companies are bidding to show up for keywords. The word ad is used by the article to stir drama and drive clicks.
>If I install an operating system and there's a Netflix logo in the application menu when I don't havw a Netflix account and was never asked if I wanted it, it's bloat.
But there are plenty of people who do have a Netflix account and Netflix showing up there is helping them accomplish something they want to do with their new computer. You have to understand that most people are not that good with computers and surfacing these things in more places can legitimately help them out.