By never checking for passwords, as suggested in Google article, you are just hiding the problem. Might be a workaround but not a fix.
If a problem has gone away, it feels like a fix to me. :)
Less flippantly, I sort of agree, but I'm not going to get my brain dirty debugging Windows, so will wait till MS descends from Mount Sinai with the correct fix before doing anything else. If someone doesn't want to faff about reinstalling the OS (like I have on my main machine) to fix this, or creating a new profile (which I did on my main machine after 2004, but which didn't provide an absolute fix as it recurred after 20H2), then this workaround will save the hairbrush industry from bankruptcy.