Never ascribe to stupidity, that which has been proven to be malice.
I grew up with Microsoft and now you have to pay me to use their products. I would never choose their OS for product hosting. Even their embedded / IoT is trying to force a Microsoft account and push against local user.
Desktops existed before punching in your credit card numbers was a common thing, that history is hard to shrug.
Xbox for gamers, mobile for everyone else and business editions of windows for the enterprise.
and, unfortunately, they are not alone. Google has been doing this for years and Apple is slowly following suit.
Minimum 50% of cases (in anything). Probably higher