Heads up on the Microsoft Graph API: it only works for certain styles of Microsoft Office customer. In particular, you can only authenticate against it with Azure AD, which completely chokes out the home market.
That is not true. There are certain APIs only applicable to commercial users, but the same Graph API calls (for example against OneDrive or Excel) can be used across both.
Is that new? The post I linked to, from 9/2019, says "Support for workbooks stored in OneDrive Consumer platform is still not available. At this time, only the files stored in business platform is supported by Excel REST APIs."