If you consider the number of updates that cause problems and you end up creating restore points to uninstall the bad update sent to you by Microsoft while they deny in a loud voice that was not the problem but then announce a fix or an update to the update a few days later the idea of installing a whole new operating system on a computer that is running just fine is not very appealing.
You're overestimating the intelligence of the executives at Microsoft. They just had to pay a woman $10,000 after her business computer installed Windows 10 without her permission and slowed down to the point where it became unusable. She tried to work with Microsoft to revert it to the version of Windows she had before, and they couldn't manage it, so she had to buy a new computer. Microsoft decided to settle with her because it was cheaper than actually fighting her lawsuit.
Some of those nag messages that Windows puts out advising people to "upgrade" to Win 10 were actually set so that the "x" button that should close the window actually installed Win 10! Microsoft has admitted that they did that deliberately, but still blames all problems that people have with it on the users, not themselves. They have, however, at least announced that they won't do that any more, but I suspect that was because their lawyers told them to.
Margret
It is never their fault.