Looks like they need an account, and it’s a paid feature.

Only premium users, including members of paid organizations (Families, Teams, or Enterprise) can designate trusted emergency contacts, however anyone with a Bitwarden account can be designated as a trusted emergency contact.

Yeah I think just general data harvesting for Microsoft. Also I’d suspect if you were doing something like pirating TV shows maybe you could get busted that way even with a VPN? If the AI is set up to recognize it and report it I mean.