The inmates are running the asylum

Struggling today, switching to Windows 11 at last. I am reminded of The inmates are running the asylum and Don’t make me think.

For historical reasons I have two emails.
Both seem to have personal and business accounts with Microsoft
Or do they?

Struggling on a little further I come across the brilliant suggestion that I make life easer by renaming my personal account

Only what is actually meant is that I should change my phone number or email address.
What the?

Oh well maybe I will just struggle on continuing to choose any of 4 combinations… here goes