Hi,
Thank you for sharing your question. I understand how confusing it feels when your wife already has a Microsoft 365 Family subscription, but you would prefer not to create or use a Microsoft account on your laptop just to access the apps. It is completely reasonable to want to use the subscription without adding extra accounts you do not need.
Microsoft 365 Family requires each person who uses the subscription to sign in with their own Microsoft account because the license is tied to individual identities rather than devices. This sign‑in is what verifies your eligibility as a shared member and enables activation of Word, Excel, PowerPoint, Outlook, and OneDrive. Without a Microsoft account, the apps cannot activate, and the subscription cannot be shared, which is why Microsoft asks each family member to have their own account even if they do not plan to use email or other services. Creating a Microsoft account does not require using the email for communication; it simply acts as the license identity.
To understand what will work best for you, would you prefer creating a minimal Microsoft account only for activation purposes, or would you like guidance on using the apps without signing into Windows itself? Both options are possible depending on how you want your laptop set up.
Please feel free to follow up with your preference, and I will walk you through the simplest way to use the Microsoft 365 Family subscription on your laptop without adding anything extra you do not want.
I hope this helps.
Best Regards,
Noel