I set up a new laptop a while ago, and it did not allow me to get started until I set up a Microsoft account. I wish I'd known then that there was a way to work around this.
Now I have a Microsoft account. I don't use it for anything, but it exists. All of my other Win10 PCs were set up on the basis of "local user", but I couldn't figure out how to set this laptop up without knuckling under. This was a month ago or so.
A year ago or so, I had a suite of blood tests done at a local lab. They messed something up and failed to run some of the tests I paid for on the samples they took, and needed me to come in and have another blood draw. To facilitate this, they sent me a coupon of some sort to have this done for free. However, the email that came was encrypted in some way. As I looked into it, the only way I could decrypt the email was to create a Microsoft account because the lab apparently used Microsoft Office to create this encrypted email.
I called them and said this was an unacceptable way to deal with the general pubic because they can't be sure that all of their customers have (or want to have) a Microsoft account, and I refused to do it. The manager I spoke with was basically clueless and unwilling to look into any of this for me. So she sent me the coupon by snail mail.
People who use outlook and MS Office need to realize that not everyone else uses Microsoft's email and office apps.