A shocker.
Two big arrogant companies happier to piss on their users than do the basic checks.
Lots of grief thinking that you had lost your data, and how do you know about the fix if it is your only computer, unless you wipe it, rebuild from scratch and then go online...to see there was an easy fix.
Any other environment than tech there would be compensation, but tech companies just get away with it.
Most encryption software is more trouble than it's worth. You are more likely to forget the password or lose everything in a crash (encrypted data being largely unrecoverable) than have your PC nicked.
Keep your confidential data off your PC, certainly off your laptop. Carry it on an SD card or a USB stick. Don't let your browser on your laptop store your passwords. A little DIY with a sewing kit can get you a reasonably secure pouch in your jacket or trousers for a storage device. You'd think clothing manufacturers would have thought of that by now. You can never have too many pockets, and muggers rarely steal your trousers.
[A second wallet with £20, a fake ID with a fake address and a couple of out of date credit cards is also handy. If you have an expensive smartphone, carry a small, cheap PAYG as well. Look terrified and rapidly hand over the cheap phone and second wallet.]
The government will simply bang you up if you don't tell them your password (or can't remember it) should they want to see your data. Then they will hammer away until they break your encryption. Post 9/11, you haven't got any civil rights, so why spend the money on encryption?
And of course, commandment 1, b*ck up. Because Apple, Microsoft and most other tech companies regularly f*ck up.