That must be it. Microsoft wants your banking information. They intentionally put out a product that steals your personal information because that wouldn't totally screw up their reputation or anything. Seriously, this is not a keylogger. Do you realize how stupid that sounds as a business decision? Microsoft shipping an OS that steals your banking passwords would be like Toyota intentionally giving you a car with no brakes. They'd go bankrupt over night if they did something like that.