You can continue using normal Windows 10 if you have a Microsoft account attached to it. They give you the option to sign up for free extended updates (until 2027).
I did that for someone (after jumping through QUITE some hoops) and apparently the next days some popup made the person click the upgrade button anyway.
So yeah, probably just dark pattern + non-technical user but still.
The cost to Microsoft is essentially zero if they ate already committed to these security updates (and they are, at least for the LTSC branch and some government contracts)