Apple are similarly bad with iCloud nagging on iPhone: Microsoft and Apple want recurring monthly income and are willing to use dark patterns to obtain it, keep it, or regain it.

I unfortunately signed up to iCloud while traveling because I wanted my photos backed up (I've had phones stolen and broken while traveling so I know the value of backing up). It was a nightmare to downgrade to no backup. Persistent email reminders and other nags for months. Difficult to downsize icloud storage with prompts warning of data loss. Had to delete stuff on the phone because it was simplest way to downgrade. I'm still left with a permanent red badge on the settings app to "update payment details". I changed from Android to Apple because I liked the iPhone security features. But I'm unsure the nagging is worth it. The nagging is annoying enough that there's a good chance I'll change back to Android (although I'm no fanboi of Apple or Google).

Microsoft prioritises nagging about OneDrive because they want the income from signups. And nagging takes priority over other needs like lockdown (profit centers run businesses).