You misunderstood the link, the situation described in the link is for shared computers. Ideally, MS should prompt for a password for the administrator account, then go through the account setup with a local account or a MS sign on account, etc. I don't know, it's probably not a big deal but it's confusing when MS themselves recommends not using an admin account, but during the setup of Windows, you only set up one account, which is the administrator and there's no indication of that. Why is this not evident in the set up of Windows? This is still an issue even with Windows 10, and we've had account elevation since Vista. I've linked a Microsoft web page that explains why you should not use administrative accounts for day to day tasks. There's no indication that this will be an adminstator account, nor does it say that you should create a standard (limited) user to actually use. And during the installation, it prompts you to enter your MS account so it's clear that this is intended to be the user's account. The default account you create during the installation is an admin account.
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