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Reminds me of the most traumatic conversation I've had in a good while, which included the following (abridged) exchange:
Me: You do know that, if payment for your yearly M365 fees fails for some reason, or you simply don't want or don't care about it anymore and let your subscription expire, you will get read-only access to your OWN data, which is stored in YOUR computer, and unable to create new files in Office ?
Him: So what? If you have a newspaper subscription and you stop paying, you won't get the newspaper anymore, that's just how subscriptions work.
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I am not talking about a 10 year old. This is a 50+ year old dude who does entrepreneur's consulting for a living.