It already is.
For years, I was predicting that the TPM 2.0 requirement for 11 was going to mean that Microsoft would end up extending the security update end-of-life for years, just like they ended up doing with Windows 7.
However, what I didn't predict was that instead of making that available to everyone like they did with 7, they're now going to make consumers pay for the benefit of continued security updates on Windows 10. They're just using it as an opportunity to demand more money.
Individuals or organizations who elect to continue using Windows 10 after support ends on October 14, 2025, will have the option of enrolling their PCs into a paid ESU subscription. The ESU program enables PCs to continue to receive critical and important security updates through an annual subscription service after support ends. The Microsoft Security Response Center defines the severity rating for security updates.
They used to only charge organizations for this, now they've decided the regular users have gotta pay, too.