You've convinced me!
Ok, on a new machine with a TPM Windows Home will make your files unreadable without Microsoft's help. I thought every manufacturer did that? Nothing new there, except maybe MS did it right.
So, if you want your files secure against your own government then you have to encrypt them, unless, of course, you are in the UK when, in fact, you aren't permitted to do that (i.e. if you do it then you will be sent to prison until you stop being antisocial).
But in the US it's still easy, isn't it? You just encrypt the files. Your mysterious third party sponsor provides you with an encryption device and software to undo this when you need to access the files, and when you need to decrypt your emails to find out what your orders are, but that all just works.
It's just a lot more difficult for the govmint; first you get the court order to have MS disclose your recovery key, then you discover that, you T-word you, you encrypted your data before having MS encrypt it again. So that's a delay of at least 30 minutes until the US govmint is in the same position as the UK govmint but without the option of sending you to prison for ever.
Meanwhile I only want to know with regard to my Quicken file, but wait, that's already encrypted! Ok, not very well, gubfr thlf jbhyqa'g xabj rapelcgvba vs vg uvg gurz jvgu n qnzc purdhrobbx, but, I realize, it doesn't matter: you have to be the US govmint, you have to actually want to decrypt my Quicken file and you have to have the resources to do it (it's not quite as easy as the comment.)
Gee. That would probably be the IRS, and they might then be motivated to explain how to fill in a US tax return. That would be worth the money.