I have a big problem with Microsoft sign in security methods/options.

So where do I begin. I was sorting some stuff out with my Microsoft account and checked my security methods, this since Windows uses my Microsoft account for sign in this is where it all began. Here a little story about how I wanted to make this post:I recently configured Windows Hello because off the added benefit off using TPM with PIN. First thing there is that on my Microsoft enabled local account I expected passwordless sign in because off the PIN. But guess what? Password is still an option. I understand that if you don't take any other actions that would lead to problems if you forget