Or maybe they will launch Win 12 with optional TPM support.
Imho making the OS(es) TPM only cannot be good for their business, many people are still on Win 10 with no intention to switch, since their motheboard does not support TPM and do not want to upgrade PC / waste PCI-E slot on TPM extension.
They would have no incentive of course. A Win11 system with the TPM turned off would be infected with malware straight away.
You haven’t used Windows in at least a decade, have you?
Windows 10 and 11 come by default with Defender, which is one of the best anti-viruses on the block. And it is always enabled unless you install a different AV.