KB5077181 was released about a month ago as part of the February Patch Tuesday rollout. When the update first arrived, users reported a wide range of problems, including boot loops, login errors, and installation issues.
Microsoft has now acknowledged another problem linked to the same update. Some affected users see the message “C:\ is not accessible – Access denied” when trying to open the system drive.
Having OneDrive wouldn’t help as you still won’t be able to use programs as a user, which is pretty much the reason we use computers in the first place, this bug effectively makes whole computers glorified paperweight in the meantime.