@britechguy I'm sorry but the vast majority of people can't remember passwords. When most people can't do something, it's the system that's at fault, not the people. This is why passwords need to go. The answer isn't password managers and 2FA because all that does is add complexity to something that most people already can't do.
We're long past time when this should be considered standard operating procedure.
I would agree with you if Microsoft had something like Time Machine for Windows, but as it is now, 99% of regular computer users aren't able to reliably back up their computer thanks to the horrible options in Windows. Even the software that comes from major external hard drive companies like Seagate and WD suck royally. The best option for most people is the easiest cloud backup solution available, which is Backblaze. I just wish they did image backups rather than just file backups. Of course, there are much better solutions for businesses like N-able managed backup, but most residential clients aren't going to pay for that.
You can't expect people to back up their computer when you don't give them the tools to do it. Third party backup solutions are complicated, confusing, and ineffective. File History is a dumpster fire. Most cloud backup solutions suck too. Besides all that, people have to be able to remember their password to their accounts in order to have access to restore their backups! The last time they logged in was what...3-5+ years ago? Of course they're not going to remember their password! What people really need to do is pay for managed cloud backup, which is what I offer even my residential clients, but it's unreasonable to expect everyone to pay for this just because Microsoft insists on tying their computer to a Microsoft account and encrypting their drive so they can't get their data off if their computer won't boot.
I'm able to recover a client's files over 99% of the time even when they have failing/damaged drives. It's very rare that I have to restore from a backup because I can get the data off their original drive 99% of the time. That being said, this drive encryption BS is great for my business. I can sell cloud backup solutions much easier now, and I can charge out the ying-yang for recovering data from their encrypted drives. Still, it's not right. Microsoft shouldn't be doing this, and telling people "just back up" isn't helpful. The sad truth is, the backup solutions available suck so badly that the only way for a residential client to be able to reliably back up their system is by purchasing managed cloud backup from me. They can use OneDrive but if they store their data outside of the Desktop/Documents/Downloads folder or if they get hit with ransomware, they won't be able to recover their data when their computer no longer boots.
The difference now is, backup didn't used to be as important because I could recover the data from their non-bootable computer 99% of the time. Backup used to be a "just in case" thing, but now you're basically guaranteed to lose your data if you don't back up. And the worst part is, there's no reason for it other than Microsoft's greed.