I know of 40 people in my town that not only cannot afford to change their OS but do not like Windows 7 and flat out refuse to even consider the abortion Microsoft foisted off as windows 8. It is all well and good to say you have to stop using a OS every 18 months when you have nothing but money to go and buy new systems, but when you live on fixed incomes, or none of the programs you work with and must have for work, will run correctly on Vista, Windows 7, or that new phone OS.
I rebuild and clean these systems for my clients, I install Zone Alarm, Avast, Spybot, SpywareBlaster, MBAM, SAS, Firefox, Thunderbird on their systems and walk them through their use. I make sure I turn off Automatic Updates for Windows and System Restore. Sitting behind a secure firewall and tough AV they have no need of those updates. Most came to me because of the havoc caused by Windows updates on their systems with their printers not working, their flatbed scanners no longer working, their computer locked in a boot/shutdown loop.
I have friends who say you must update and upgrade and I turn right around and when it comes time to do a cleanup and system backup on their computer, I have to remove gigabytes of adware, scareware, malware, trojans and kayloggers that Windows Defender and Windows Firewall let set up shop on a Windows 7 32 or 64 bit computer. Same with Vista 32 or 64 bit.
My point is simple: Microsoft can force people to upgrade only as far as they can afford to upgrade. Windows XP Home and Pro are still wonderful for everyday use at home and at work, I have three XP's; 2 Home and 1 Pro, all pre-service packs and I have exactly no problems with them. Not like the Vista or Windows 7's my clients bring in on a daily basis that run pure Windows software and no real firewall.