Updated, 2/18/20, 8am PT:
Windows Latest reported yesterday that Microsoft customer support workers are aware of the problems caused by the KB4532693 update. One person told the outlet that "Microsoft is aware of this known issue and our engineers are working diligently to find a solution for it." The company hasn't updated the support article related to the KB4532693 cumulative update with information about the issue, however, even though it's already acknowledged a different problem with the update.
Original article, 2/14/20, 4:43am PT:
Windows 10 is having an identity crisis. Reports claim the latest cumulative update to the operating system reverted certain settings to their defaults, removed files from the desktop and even loaded people into a temporary user profile upon restarting.
Microsoft released the Windows 10 KB4532693 cumulative update on February 11 to address issues with cloud printers, improve the Windows 10 May 2019 Update installation process and make security upgrades to many of its first-party services.
Bleeping Computer reported that numerous people have complained about the previously mentioned problems with the KB4532693 update, however, and Microsoft was said to have acknowledged those complaints in a statement.
The outlet also guessed how exactly the KB4532693 update is causing problems. It's possible that Windows 10 loads a temporary profile used during the installation process, rather than the normal user profile, even after the update's fully installed.
It's not clear if that's actually what's happening, though, or how people should fix the issue. Bleeping Computer said that restarting the affected system multiple times appears to have helped some users, but that seems more like a fluke than anything.
By now many Windows 10 users have probably come to expect issues like this with operating system updates. Microsoft struggled to deliver stable cumulative updates in 2019, and so far, it doesn't appear to have totally addressed the problem in 2020.

It is very difficult it is to explain to small businesses that the Microsoft update service screwed your computer, pay me to fix it and you have no recourse but to sit there and wait for it to happen again. (and don't try to tell me to use a WSUS server, we are talking about places with 10 users or less and in some cases, don't even use a window server.)
They have a business version that doesnt get these forced updates w/o say so.
(MS aint dumb enoguh to do that when they know stuff can cause issues)
only the non business version ppl get screwed.
If you are running a business regardless of size you should be running enterprise software. If you can't afford errors and downtime then you should be paying for increased stability. WIN 10 is essentially a free service and MS is treating it as such, and for the most part it is one of their best products in the last 15 years. If you want to put your businesses trust in a consumer OS then that is the risk you run, same with internet. Sure consumer internet is far cheaper but if you have an issue you'll be waiting days for a service call, however if you have business class you're paying for expedited service and troubleshooting. Plus what other options will they be looking at? Linux; with it's broad compatibility and top notch customer service, or maybe MAC OS with it's broad range of options, compatibility , and service? /s