Actually it is more than a local problem. Since Recall shipped with opt-out, means every computer will have this enabled. Even if you truned it off, the computer on the other end may still capture your data.

Say you said something here, regret about and delete it, but right before a user have Recall enabled see it and can just dig out your now deleted comment. Not good. This applies to HIPAA data or not.

This is essentailly a local search engine that index everything you see and others said in near real time, without repecting robots.txt.