I agree that it is willfully ignoring maintenance, but I completely disagree with the analogy that it is the same as ignoring a fluid change in a car. A car will break down and may stop working without fluid changes. The same is almost assuredly not usually true if a windows, or other, update is ignored. If you disagree, then I'd be happy to review any evidence you have that these updates really are always as critical as you think.

A lot of things that come as "mandatory patches" in IT, not just for Windows, are things that tend to generate recalls - or "sucks to be you, buy new car" in automotive world.

In more professional settings than private small car ownership, you often will both have regular maintenance updates provided and mandates to follow them. Sometimes they are optional because your environment doesn't depend on them, sometimes they are mandatory fixes, sometimes they change from optional to mandatory overnight when previous assumptions no longer apply.

Several years ago a bit over 100 people and uncounted amount of possible more had their lives endangered because an extra airflow directing piece of metal was optional, and after the incident it was quickly made mandatory, with hundreds of aircraft being stopped to have the fix applied (which previously was only required for hot locations - climate change really bit it).

Similarly, when you drive your car and it fails to operate, that's just you. When it's a more critical service, you're either facing corporate, or in worst case, governmental questions.