Microsoft has to get money from its Windows monopoly somehow.

You basically do already. Most cheaper PCs come with S mode enabled from the store. Turning it off requires accepting a scary disclaimer that it's a permanent change and you're likely to fuck up your computer.

I have to be honest though, I kinda like it for older relatives that I can't convince to switch to Linux. Prevents tech support calls to me. And if Android was setup the same way with a one time prompt, I'd be perfectly happy.