Am I forced to go to work.... no, but it certainly makes paying the bills easier
Am I forced to drink tea... no but its nicer than coffee
The facts are that in modern life there are somethings that may not be forced on you but certainly are so beneficial that they are near a necessity.
By removing my access to my account they are worse than encrypting my files they are removing my access to the data, contacts, contact information and friends on that account, just as bad in many respects.
Then it does demand payment, it demands payment in the form of more data than I want to give. Why should I give MS and therefore the NSA etc. personal information? It is damned hard to set up one of the new accounts without doing so.
One thing I didn't notice here, when I swap my account does it keep contacts, conversations, data etc from my old account on my new one so it is painless (well apart from the setting up of the new account, the remembering that you now need a different account, updating CVs and everything else that points to the account etc etc etc etc etc etc)