It’s not actually a problem, they only removed the part of the OOBE wizzard for creating the local account or on Personal accounts. Work & Education or non OOBE setups still have it.I think this is overblown. People don't blink when using their Google account when setting up their Android phone or Apple account to setup their iPhone. As much as the Microsoft Store sucks, having things like games, apps, and (perpetual) MS Office licenses link automatically is nice.
The only people it effects are those who buy a Pro account because they don’t want the Home account but don’t know the ins and outs of the pro setups.