No.

You did pay for everything, you just decided you won’t use the features you paid for. Your loss.

Because normal users don’t need a local account. If you want one - use the enterprise edition of Windows.

Can you use Google Pay you paid for? No. Can you use Google Maps you paid for? No. The list goes on. That’s unless you only want to browse Lemmy and post silly memes all day.

iOS IS the bloatware.

Yep.

But most of the features you’re paying for won’t work.

Technically you can, but then your phone is pretty useless.

I could never understand why people are so against MS account. There’s a similar requirement to use products from Apple and Google and everyone is ok with that.