Good Afternoon @Sam Wheat ,
Great questions. I'm not too familiar with the account types, but from the documentation I'm guessing the following:
Example 1 -
Looks like you're either creating a work account or consumer accounts, work account typically or if it's a local B2C account/social identity, then a consumer account.
"For a B2C local account identity, only passwordProfile is required, and passwordPolicy must be set to DisablePasswordExpiration. For a social identity, none of the properties are required."
Example 2 -
See above, under the request body there is information regarding what creates the specific account.
With the Microsoft Graph, it appears you have three options:
- Creating a work account
- Creating a B2C local account identity (consumer account)
- Creating a social identity (consumer account)
With above, I believe B2C local account is a consumer account based on the following picture of what it is: