Is Windows 10’s ‘Hidden Administrator Account’ a security risk?

Marcus has been using local accounts on Windows PCs, but is wary of Windows 10

We have two types of user accounts: local and Microsoft accounts. Over the years from Windows XP through Vista, Windows 7 and up to 8.1, I have always used local accounts, where you could easily control the security of your operating system by using a password-protected standard user account. However, to get the real benefits of Windows 10 requires creating a Microsoft account. (Of course, one way to ensure privacy is to create a new outlook.com account and just use it for log in purposes.)

From what I understand, Windows 10 automatically generates another super or elevated Administrator account during installation, and this account is hidden by default for security reasons. Unlike the normal Administrator account, this runs all programs with admin rights by default, without that annoying UAC box appearing when you attempt to run a program. What is to stop any malware installing itself on your PC?

The appearance of every new version of Microsoft Windows usually creates panic in people who think they've found something new, when it's actually something old. Windows 10's privacy settings, for example, are more or less identical to the ones in Windows 8. The email-based Microsoft Account logon system was also introduced four years ago, in 2012.