Followup:
I got a hold of one of the machines it was happening to, had
a local account I could use instead.
Windows hello no longer worked at all. Curiously it had the
wrong year set in the date/time. May be related.
Anyway if you run the following in powershell seems to be
the only way to minimise/avoid the issue -
Set-LocalUser -Name "USERNAME" -PasswordNeverExpires $true
Replace USERNAME with the user account name text.
You can confirm beforehand how they are written before hand
with the powershell/cmd command:
net user
In theory the above should work both windows home and pro,
if you have pro edition poledit may allow the same thing,
but if you are using a microsoft account I doubt you can
just untick password expiry in advanced user editor on those.
Microsoft should add a tick box to the screen where you can
set location or advertising ID that reads "are you an
elderly person or person of limited technical skill" which
stops anything in the windows look and feel ever changing,
and doesn’t force people to use online account nonsense!
Would make everyone’s lives easier if it actually worked too!