ads, start menu becoming tied to internet searches ultimately slowing it down, performance decrease win11 vs win10, Bloatware, Xbox locking game folders, the new context menu… these are the ones i can quickly come up with
Update to add: The goddamn shortcuts, can’t just click and drag from desktop to start menu or taskbar, and vice versa anymore
I think the closest is Google Pay, but i doubt it’s any better for privacy vs Paypal