Yeah, this makes sense for corporate environments with keys backed up to a centralized location like Active Directory. Not for consumers with no reasonable way to keep some key like this in a safe place as a "break glass in case of emergency" option.
If you're doing things properly, you'll know your Microsoft account password or have it in a password manager (and maybe have other account recovery options available like getting a password reset email etc.), and have a separate password for the PC you're locked out of, which would be the thing you'd forgotten. If someone isn't computer-literate, it's totally plausible that they'd forget both passwords, have no password manager, and not have set up a recovery email address, and they'd lose all their data if they couldn't get into their machine.
Most people have smartphones these days where they would be able to log into their account and grab the recovery key if it's backed up. If they don't have a phone, they will know someone that does, or a library with a computer.
Bear in mind that non-techy users don't get the option to opt out of a Microsoft account in the OOBE now, so most should have their key backed up without thinking about it
A Microsoft password is more recoverable than a lost bitlocker recovery key.
Also, it feels worth highlighting that every other OS targeted at general consumers encrypts user data by default. Microsoft is really just getting up to speed with where everyone else was like 5 years ago.
Almost everyone has access to a phone. Most governments, including the US provide free or low cost smartphones to those who can't afford it. There are entire MVNO carriers based around this, like Assurance wireless.
Oh, I can just imagine. Customers getting angry that their tech support cannot "just simply" recover their files like they used to and accuse them of scamming. Fucking thanks, Microsoft.
Wel then, either get a Microsoft account that you remember the password to or don't use Windows since they are pushing hard for this type of security. Linux is completely free for people who don't like the way Windows is heading towards.