Hospitals and stuff still use the old OSs. If MS dig in about it there could be consequences. But as you say home users are gamers, is there actually any reason for us to update?…
Businesses can still get support for Win7 from Microsoft (for a price).
The reason for home users - consumers - to upgrade is to get the latest security patches. That's something rather important today - more important than new features in my opinion.
Sure, Microsoft could offer those security updates for older systems, but the more systems they have to support the more it costs to make those patches. Microsoft offered consumers a free upgrade to Win10 - for all I know that still works - making the move to Win10 for many users a cost free thing. And even if a customer decided to buy Win10 - it costs 150€ for the home edition. Not really that much for something a user would buy once and use it for 10 years or something.
A nice side effect is that less different operating software versions makes it easier for developers to make software as it reduces the amount of testing for old and obsolete tech.