I presume with an account this gives ownership or at least knowledge of your private online activity to Microsoft. If so, the below could be a useful option, if you’re savvy enough to be able to do it. (I’m in the oo-er category…)
Windows 11 demands you use a Microsoft account. Here’s how to bypass it
With a likely future CBDC and banks etc. possibly operating social credit systems, as well as moves for ID-based social media use (Australia is just starting with ‘children’), being a transparent, dependent node in the system doesn’t appeal.