User friendly? In whose reality?
Take a technologically unskilled user – like, any of the regular users in your accounts department (or whatever).
Hand them a new laptop running Windows which has 2 accounts configured on it – userA (administrator account) and userB (regular account). Ask the unskilled user to change both passwords.
Hey, Microsoft – why do different things happen depending on which account is logged in? On the admin account you get the security box when you press ctl-alt-del. On the non-admin account you get the task manager.
… what?!!?