Absolutely. And everything is extremely confusing, even for "tech workers", which I am.
The other day, I installed Win 11 on a work computer to give it a try. I figured since it's gonna be domain joined and whatnot anyway, might as well go all in. So when it asked for an account, I plug in my Office 365 account, and got all kinds of weird errors, such as wrong password, etc. In the end I gave up and created a regular account. Now it asks whether I'm sure I don't want an MS account, 'cause it's so much greater. Right. Except it doesn't work... Then I try adding the account manually in "accounts". Same issue...
In the end, I managed to add the account via OneDrive, which installed a separate OneDrive. But at least it did it on its own, no intervention needed. But I do have two "one drive" folders in the explorer for some reason, and I can't remove any of them [0]. I don't remember iCloud showing up multiple times in Finder.
Later, I find there's Teams preload. Good, let me just log in. Strange, I added the account, said it was OK for other apps to use, but it still wants me log in. I type in my credentials, and the odd account errors are back. Turns out, that's the wrong Teams! It's teams for the plebs, apparently I needed Teams "pro" or something. At least, Skype had a somewhat different name, as in "Skype for business" vs "just skype".
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[0] Yes, I know it's possible to change the "shortcuts" or whatever they're called from the registry, but the point is that it's half-baked, it tries to be "helpful" but it's actually a hassle. If I don't want iCloud in the Finder, I can just pull it out of the sidebar. And it stays that way, as opposed to the Explorer shortcuts which have a tendency to come back after updates.