Do I really have to upgrade to Windows 11?

Do I really have to upgrade to Windows 11? It says my PC does not have the proper hardware?

Simple, normal online gamer here. Do I really have to upgrade to Windows 11? It says my PC does not have the proper hardware. So I don’t have to upgrade to 11 for security purposes? I do have to pay bills online and game sometimes online. I have not had a problem in six years and don’t want that to change. So I can keep running 10? What will happen if I keep running 10? Thanks for the help from a low tech guy.