Sounds logical but then how do I change the microsoft account login that I already used. I can not believe that the government allows this level of active totally in front of the public hacking to happen, but since the NSA has all the info they benefit I guess so that question is answered
You don't have to "change" it.
Just create a local account or two.
1x Standard user and 1x admin user.
Use those for day to day operations.
Your MS account will still be there, just not used or logged into unless you really need to.
My systems have 3 accounts.
1 Standard user, Local
1 Admin user, Local
1 MS account. Used only if I need to interact with MS...for instance any license issues or if I need to install something from the MS Store.
Other than that, my Local Standard user is the prime persona on this PC. It knows NOTHING about any OneDrive account credentials.