Yah, it seems blatantly hostile how much they hide it.

I can understand the default being TPM-only + online key backup, huge amounts of the population forget their login passwords (which can be involuntary, e.g. head injury) and huge amounts of them still want some backup way to access their data rather than losing it forever.

But for anyone who cares just a little more, or would prefer to lose data in those situations, it's such an abnormal and hidden path that it's clearly blocking tons of people from choosing it.