[zimpenfish]

> You want separate logins for every service?

I want a separate login for Minecraft than for MS services, yes.

> the client (who has to remember multiple passwords)

I'd guess that the majority of Mojang accounts don't have a corresponding MS account already.

> "Every user changes their workflow" is not a practical solution.

But that's precisely what MS are enforcing - you have to migrate your Mojang account to an MS account.