It's actually super simple: even though the community is called "Technology", there's A LOT of tech-illiterate fear mongering going on here. People behave like Microsoft is trying to spy on them, seemingly oblivious to the fact that Recall is:

• only available on devices with an NPU.
• local only, nothing goes out to the Internet (hence the NPU requirement).
• opt-in - you need to turn it on yourself.

There's nothing malicious about it. Functionality is questionable, but acting like it's malware is just showing ignorance.