Locked out, never be able to log in again. Why? They started to say the password is wrong. How could it be when you memorized it on computer but ok then let's reset the password and get a new one. Turned out to be an impossible task. They are never ever convinced you are genuine and say I tried too many times. They never offer you an option to reset it. Just too much security. Not worth it for normal use. If your surname is Gates or Musk, yea, security the paramount. For casual use? More risk of losing contacts by not getting back. Just too suspicious of ordinary users. Everybody is a cyber thief suspect, according to Microsoft. Stay away and go for gmails et al