I don’t think it’s fair to jump on Microsoft for this one. Windows 10 has been out for almost 10 years. Apple gives less support for systems than 10 years, they are closer to 8, which is still a while.
If you bought a PC in 2018 or later it should support tpm in the CPU, if it doesn’t it’s on Dell or HP or whomever made the system. If you built a pc you can buy a TPM for most motherboards.
Microsoft said you can pay for updates for windows 10 if you want. If your parents core i5-2700 with 4gb of ram from 2012 will no longer get free updates… that seems fair… or go to Linux, but we know most people won’t. Honestly it would be a great time for a “convert to chromeOS installer”