MSDN is the only version that does what you say. The *retail* and *OEM* versions create admin accounts by default. How smart is that?
There are benefits of suckling at the MS teet, lots of legally free software too. Of course you can still fix it, and the screen did tell you basically how to. So it’s not like a person is flying completely blind. XP was the last OS before the big security push, and subsequently the last version of Windows where by default you could double click and icon and the app would run without first asking for a note from your mother.