It’s almost as if Microsoft and every other hardware and mainstream software developer is secretly betting on the loss of private home computing.

You nailed it. This is what EVERY hardware and software company is hoping for, subscription based everything. Hell HP is already rolling it out on their laptops. If you don't outright OWN the hardware and you're using it on a sub then you don't have any choice but to use Windows. RAM Shortages? who cares. if you and I can't build our own PCs anymore than we have to sub a machine from Microsoft or HP or Dell or whomever. Those companies will ALWAYS get first dibs on RAM. And of course there's going to be tiers to this shit. Pay more than the base sub price and you get access to the gaming tier meaning your machine will have a dedicated GPU for gaming. so on and so forth. this is the future these companies want and thanks to stuff like Netflix and Spotify we've now been conditioned to accept it.