For starters, people who create windows accounts are those who consider buying licensed products since many of the windows products like word and many other things that involve windows would need windows accounts. A lost windows password would also mean that you will have to retrieve your account by using the support of windows or create a new account if such installer has not locked your account in the computer or laptop where you have registered the account in the first place.
In order to balance things out, you must know how important it is for a person to keep his windows credentials or account safe and secured. There will be many things to consider but the primary reason is that installers that have been under or working together or even owned by windows would need windows account when being installed.
The importance of the account depends on how you used the registration of such an account like which of the products have you connected your windows account with or used such credentials in your bank accounts. That would mean that when a lost windows password happens, there will be lots of consequences since you will have issues when such an account will not be recovered anymore.
Recently, windows accounts are hard to recover due to the fact that it has heightened up their recovery options in order to maintain the standards in the accounts. A lost windows password means a lost windows account. This would either make it hard for you to recover it or just simply means you might have lost a lot of your credentials on things where you registered your windows account.
The things that you can do in your windows account are not just limited to the windows installers or any of the windows applications, but also to the thousands of other things that would need windows to account to continue using their service. The windows account has been used for many of the applications to ensure that the user has used only legit Windows products or licensed products.
Although not everyone would see how important getting a license is in Windows or even using a legit Windows product, issues will still be coming since there will always be individuals who would grab opportunities just to be able to use a product even if it means pirating it. This is where people need to understand that a licensed product would always be more wonderful and useful since you will have accounts that can be protected.