Doh!!
Microsoft has forced programs you will use that will require bitlocker and all the other things the guy describes. He mentioned banks and TurboTax. There will be others like your web browser.
People found out when they bought hardware like a printer or a camera and the software says it needs window 10 but you had windows 7. You are forced to upgrade even though the drivers could be made for windows 7. Same now for windows 11 and the coming version 12.
Question is WHO is requiring this?
It ain’t Microsoft.