The problem is, Microsoft doesn't respect ownership and privacy rights. Every step they've taken recently has been in the wrong direction. I will not use a Microsoft account or OneDrive. I have no use for either. It's that simple.
Try to think of Windows as a big, enthusiastic, eager, and fun loving dog that hasn't gone to obedience school and is still trying to figure out who the boss is. He's gonna be up in your business (if you know what I mean) constantly. Oh, he'll still try to guard you because he thinks you're his property. He may even try to guard you at the most inconvenient moments and it could take years of conditioning before he'll break the habit of chasing away the mail man (if he ever does) so you will just have to keep him on a leash and tell him, "Bad dog!" until it finally sinks in (or doesn't).
You can get apps that will help you train your dog and you will get varying degrees of success with these. You can make alterations at the puppy stage but it will still require a little surgery. None of these approaches are perfect and many of them are experiMENTAL. Nonetheless the puppy stage is the time to make significant changes if they are to be made at all.
Now this analogy goes a long way so I won't bore you with it, but methinks there are some real nasty dog breeders for hire at MS and some of them are very keen on doing things with the genetic "code" that do not necessarily benefit the dog 'owner' but are strictly developed to further empower MS. The old "who owns the dog" argument has never really died, but if all one really has is a license then one really should not be held accountable for the impolite behavior of the dog. So what more can a poor boy do?
A: He can Frankenstein his own breed in the knowledge that whatever he does with it he is liable for his own choices. I'm pretty sure this is in the EULA some place. Of course, this is all done at his own risk. He can't be whining to Microsoft just because his doggy was misbehaving after he decided to take ownership of the dog. By establishing a local account I'm neutering the breed. By refusing to use One Drive I'm circumventing a virus. Now I like to think of myself as a responsible dog owner but it's only natural that there will be the occasional issue to contend with.
Monsanto, errrm.. I mean Microsoft... Doesn't really want to own your dog. That's why the license is in your name. They don't really want to be liable for what you do with your dog either. Somebody should write a book titled, "The Proper Care and Feeding of your Microsoft Operating System". It would probably sell. No, I'm not crying over what MS is doing with local accounts. Indubitably there will be a work around and MS will be content with that because as long as they aren't liable the onus will ALWAYS be on the user.
Unlike some here I would be very surprised if so many Forum Members did NOT use local accounts. Many of us want to keep our dogs on a leash when we take them out for a walk. We enjoy helping fellow users reap the benefits and rewards of using a functional OS and to learn how to keep control of it. At the same time I understand why some would prefer not to "neuter" their operating systems and that is their choice. What concerns me is when it appears that MS would remove that choice. Perhaps they wish to do away with licensing altogether. We shall soon see.
If I live another 20 years it will be a miracle. I rather doubt it. I'm at the age where I'll do what I like when I like with my own PC. If this means I'll have to use a different unlicensed version of an OS so be it. In fact, I'm already gearing up for this. I have enough to last me for what is left of my life. I keep telling my girls there's always Linux. They're not exactly closed to the idea anymore either.