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Antivirus stuff usually has access to all.
Can't remember the brand now, but I had a 3rd antivirus update many years that caused Windows to go into a boot loop after an update to it, had to enter safe mode and remove it in order to get Windows to boot normally. Quite a few things can cause this but they really shouldn't be allowed to if its possible. It is a bit worrying that if my Avast AV did a really bad update then my OS could be bricked on reboot that even safe mode may not easily get me out of. If MS has to significantly lock down parts of the OS in order to prevent any old 3rd party programs breaking the OS this easily then it really needs to be done.