Try this - Go to control panel, click on administrative tool, & then select "local security policy." On the left hand side under "local policies" select "user right assignments." In the main window look for & click on the "Back up files & directories" policy. Any user(s) or group(s) that you want to be able to create/use restore points must be listed here. If your user/group isn't listed you must add it. So add Steve or Administrator, or to cover both at the same time add the group Administrators or Backup Operators. That should allow you to use system restore points. The default entries are Administrators & Backup Operators.
Surface Pro (2017) vs Surface Pro 4