Microsoft should be under no further obligation to its customers with respect to Windows XP.
For free? I agree they should have no open ended support obligation. That does not mean however that their customers should be forced to spend money on software that does nothing new that they need.
However, if individual customers are willing to _pay_ a subscription for further support from Microsoft, they should be allowed to do so.
Microsoft has taken that option off the table. So exactly what do you propose as an alternative that doesn't involve paying hundreds to thousands of dollars to buy new computers and software that many of us do not actually need?
The UK Govt is among one of their customers who is going to pay Microsoft for further Windows XP support.
For people who are not willing to pay, Windows XP will continue to work as it currently does. Third party vendors are likely to continue to provide antivirus updates or perhaps even binary-patching the existing code to continue to operate - that is the model with OS/2 continues to exist today even though the product hasn't been supported by IBM since 1998.