I disagree that most PC vendors are capable or good at helping consumers reset passwords of local Windows accounts. This is not a trivial process, take a look at the HP support page on this issue.
https://support.hp.com/us-en/document/c04648973
It's unlikely that people with Windows Home have a password reset disk and there's likely only the one account on the machine. That leaves them with "have a computer repair service recover your local password" or "reset your computer". In my opinion, the majority of people would be better served by a Microsoft account, where Microsoft can handle the reset through their website, rather than a password reset disk or wiping their machine in desperation.
Also note how excited HP is to get out of the business of handling this very situation.
> HP recommends using a Microsoft account for signing into Windows. Using a Microsoft account offers many benefits, including easy password recovery. If you currently have a local user account, consider switching to a Microsoft account after recovering or changing your current password.
