We use Microsoft 365 business at work and I hate that exact experience. Every time you sign into a Microsoft service you play the coinflip game of: "Does This Accept Work/School Accounts?" And some of them even change over time! Windows Insider (as individual, not Group Policy-/WSUS-deployed) would not see my M365 Business account until recently.

At this point, I just made a "personal" @outlook.com account for the few things that don't.