I really hope this is a personal thing and not you handling some clients.
Correct. But still a necessity.
4. Software you're actively using but haven't updated (such as Windows 7 or Office 2010) will have a major security flaw that isn't patched because support ended years ago.
5. Someone on a network you're connected to is infected (or a threat actor) and your computer is attacked through a major security flaw that isn't patched because support ended years ago.
6. You share storage devices with people or other computers and accidentally initiate a payload through a major security flaw that isn't patched because support ended years ago
That is definitely not true. Windows has a lot of flaws and threats (largely because the most commonly used OS platform is most commonly targeted, go figure), but Windows 10 is far more secure than 7. Microsoft have even recently started hardening more potential holes (which is causing issues in itself, but that's not unexpected) that will leave you even further behind if you're still using 7.
This just patently isn't true. It's the equivalent of not bothering to lock your doors, take care of your valuables, or be mindful when you're walking home at night because a determined enough threat will do harm to any degree.
Corporate cybersecurity is part of my living; there are so many major vulnerabilities and potential threat vectors even from every day used software like Adobe Reader, Chrome and Office. Oops, you opened the wrong PDF and your AV didn't catch it? Guess someone in Russia now has your 35 year old e-mail address and password.
Have iTunes or something that installs Bonjour? Your computer firewall now has open ports and someone standing on your e-porch greeting every single person that walks by.
Oh, that dormant keylogger used a hole that wasn't patched in W7? Guess they now have your banking details.
Seriously, the upgrade from 7 is free, 10 isn't really that different (and in most cases is generally more stable) and not upgrading because it looks different or you don't like change, or you heard from your best friend's sister's boyfriend's brother's girlfriend who heard from this guy who knows this kid who's going with the girl who said that it's a huge downgrade from 7... is just asinine.
I am thinking on all the suggestions on this thread.
I'm guessing one reason some might not upgrade, is due to software incompatibility.
If one has brought software that works on Windows 7, but not later versions of Windows, that could be a deterrent.
Also, the knowledge that Windows 11 is not free, and Windows 10 too has an EOL, one might reason that in a few years they will be in the same boat. So why bother.
There are a number of reasons people are not upgrading, but primarily, having to keep up with the commercial giants, isn't easy, especially when your pay-pack isn't getting any bigger.
I remember when I was building computers, and realized that the new tower did not support memory I had available.
You then ended up with memory you had to throw away since no computer supported DDR, DDR2, DDR3, etc.
The greed of this world isn't easy on most folk, and in some cases, all the persons are trying to do, is relax, and enjoy a game, create music, art, etc.
Everyone, fortunately, isn't driven by greed. So, it's nice to see some persons keeping the poor in mind, and trying to support them by providing FOSS that fits their OS needs.