It's not "I forgot my password though". It's

- I forgot my password and Microsoft is sending reset emails to the account that that password bars.

- I remember my password but now it says I need a passkey and I don't know what that is.

- I forgot my password and in the process of resetting it, Microsoft created a duplicate account.

All of the above are real problems that I have seen in the wild. I could list many more.

Given that Microsoft knows--and has always known--user limitations, it behooves them to design idiot-proof software, not continually release poorly-designed changes.