I sometimes prefer to say what to google rather than provide a single answer - especially if, as in this case, I'm not sure what the problem is. The questioner can then select a site that they can understand, or look at two or three and see if one is useful. Also, a particular 'answer' site may be unusable - I couldn't load one site posted without disabling my adblocker - which I declined to do.

But the trick to successful googling is knowing the jargon. If you don't know it's a 'drop shadow' then it's hard to search for how to remove it. Technically it's a 'text color' not a 'font color' - though enough people use 'font color' that you'll get an answer anyway. You may think this is an esoteric difference - and it is - but it may affect whether you'll find an answer to your question - or get answers to the wrong question!

Back to the Mrrzy's colo(u)rs. If the text colour is unreadable against the background there may be a way to get it to automatically select a contrasting colour so it works with any part of the background image - though I don't know how to do that in Win 10. I see there's something called 'accent color' but that's a bit of jargon I've not met. Or you should be able to introduce a 'text background color' so, for example, black text appears against a little white panel. 'Personalize' doesn't work on my system so I can't poke about in it. I tend to just move the icons to somewhere readable.

My impression is that the Win 10 user interface has been simplified compared to Win 7, which I think us a good thing - I prefer it. It probably still does all the things it did before but a lot of it is hidden. (If you can't find a setting try Windows key + X.) So it's only 'befuddling and annoying' when you know you ought to be able to do something but can't find it. And I never thought Windows was intuitive - you just get used so to it.