No, to answer you question, but I'd want to know what was going on and have the biopsy result.
Confused- are you using Provera or Utrogestan?
Are you using (whichever) daily or on a cycle (12 days a month)?
If your periods had not stopped at 49 then you should have been on sequential HRT - 12 days a month of progesterone. This gives a withdrawal bleed every month.
If you are not on that, it's possibly why you are bleeding. If you are on continuous, daily progesterone, you can bleed if your own periods have not stopped.
Daily progesterone is for women who have not had a natural period for 12 months.
But did the dr not discuss this?
Also - and sorry to mention this - being overweight is the biggest risk factor for endometrial cancer (and other female cancers.) This is because fat cells produce more estrogen which stimulates the womb lining making it thicker and producing more blood loss. In post menopausal women the lining isn't shed and just carries on getting thicker until it does bleed eventually. A thick lining which grows and grows can develop cancerous cells.
I expect that is what the dr meant.
However you had a scan recently and that should put your mind at rest as everything looked okay.
I think your HRT needs adjusting but weight loss will also help long term.