And, then you have the question of proprietary ownership.
You own the box but MS owns the software. Sorry Charlie.
Meh...even the Linux Project owns their OS/software systems; we use them according to their operational agreement.
And when you sign up w/a bank, included are clauses absolving them of liability in the event of a breach.
Hasn’t helped them any, except to deter those who accept such statements at face value...