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.
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.