Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
"I cannot reach a live support and their AI generated online system is unable to help. I keep going in loops."
I'd rather not deal with Microsoft's live support, and much prefer AI (but not Copilot).
Microsoft employees don't provide one-on-one support to retail customers. They stopped doing that long ago. The person you will talk to, if you succeed in reaching a live person, is an outside contractor hired by Microsoft to answer your call. You don't know anything about that person's knowledge or qualifications. Since they're not a Microsoft employee, Microsoft isn't responsible for what they tell you or what they do to your computer. If you want to follow up with that person, or if your conversation is interrupted, there's no guarantee you'll be able to find them again.
By contrast, asking your questions to ChatGPT or Claude or Gemini or one of the other major AI services brings you loads of valuable information. And you can end your 'conversation' and startup again any time. I don't care for Copilot myself, but other people are very happy with it.
The 'secret' to success with AI is being able to express yourself in writing clearly and logically. For someone who doesn't write well or can't explain themselves in writing, not only AI but internet search engines (like Bing and Google) and even community forums like Microsoft Q&A won't be useful.
If you're comfortable with writing, I suggest posting your question here in Microsoft Q&A. Many of those same hired contractors answer questions here, so you may as well ask here.