Devils advocate time: Windows does this because users are stupid and will never update their PCs if they don’t have to. I’ve met too many people who never update their tech. Operating systems and the software they run is far too complex to be 100% secure so we mitigate that by updates. They are a necessity. The vulnerability responsible for EternalBlue was patched and pushed with a windows update before the ransomware attack, how many users ignored it? Windows is so annoying with its updates because it has to be.
And it’s a valid point. Services like audible and Netflix offer something that can not be matched by traditional storage, that’s why they are profitable to begin with. Streaming content instead of downloading it to each device is a good selling point, one which is covered by self hosting this stuff.