My screenshot was from the admin side. We automatically send random generated passwords to the client via welcome email and try to collect minimal info at the time of checkout.
I thought about the email confirmation email, however over 75% of our clients want to just check out. Any delay in the checkout process can result in a lost sale. So that would not work.
I agree with you on this. Should any visitor even be creating an account without an actual purchase to start with? An option in admin could toggle that as an option for those that would. In our case we are not interested in people signing up for a subscription or discounts as some commerce sites do. Perhaps, on the confirmation page the client is offered the opportunity to create an account at the end of the checkout confirmation (admin can set default). So, create_account would not be offered as a standalone, automatic account creation would only occur after a bonafide purchase. And of course the admin would need to be able to create an account from admin side.
I will noodle this more.