There’s plenty of that content in our media, but those people don’t consume that media. A computer is a critical general purpose tool. Everyone needs it. This is like putting scantily clad elves on every refrigerator.
It's not great. Linux mint is what I install for older relatives now. It's close enough to windows feeling that they never even question it.
To stoke my rage into an incandescent fury, if you go to settings -> Lock Screen, there's no obvious way to disable it at first. You have to change the background image from "Microsoft Spotlight", the one where the image changes to a static background image, and THEN you get a checkbox. The checkbox you uncheck is "get tips, fun facts, and more". I guess trying to sell me shit is under "more".
It sucks because i agree that having the picture change is a nice feature. Microsoft has decided to hold that nice feature hostage to ads.
This seems better than having a program that does random web requests to put ads on the lock screen.