"You need to enter your account password before you can use Windows Hello."

@WilburPost If you don't trust Microsoft with Windows if it comes to security, you should probably not be using Windows. How can you use an operating system whose creator you don't trust with security? The creator could do anything! This would get me the creeps.

On the other hand, it may be it's not trust in security you're lacking in Windows but perhaps in understanding how Windows operates. It may be Windows does things you don't understand, and you fear you break something if you use a feature. In this case, you can perhaps seek for courses to get a deeper understanding of Windows. Not just a course for switching on the PC, copying and deleting files, and start apps, but really more about configuring and administering a PC. Get a deeper view on how the several modules of Windows work.

My whole view on Windows changed, once I got Microsoft certification courses for administering workstations and servers, and designing corporate setups - called "Microsoft certified system engineer" at the time. These courses, at the time for Windows 2000, made it totally clear every single item in Windows has a purpose and not a single item is acting randomly. It's deterministic everywhere. If something doesn't work as expected, you can always find an explanation. And a fix, if Windows is designed to work that other way. Always. No, this is no joke. I mean this seriously. Of course, such certification courses are over the top for just a PC user, however there also exist lower level courses for ordinary users to get them better into PC understanding.