As a Microsoft employee that's very well versed in these situations, you won't like what I'll have to say...
In recent years, the process for unlocking or unfreezing accounts went towards scripts and algorithms to do so when before there was an actual internal escalation site that had several different avenues to unlock a Microsoft account (as it doesn't exist anymore, there were options for celebrities or friends/family among those support avenues). To be real, these are free to use email accounts and you retain full responsibility to ensure that your security and alternate contact info is valid to prevent this, as well as ideally using MFA. Think of it this way, you're given a key to an apartment you pay very little for and one day the key doesn't work anymore because the key is too worn down. Instead of making a copy of it on your own, you blame the landlord that is letting you live in this apartment for next to nothing.
There is simply no human override anymore for support in these situations. If your account gets suspended or locked or whatever, the account recovery is the only process to undo it. There was a time recently where Skype accounts were somehow triggering the threshold to freeze an account and the backlog to deal with all that ended up taking several weeks for a response after you submitted the account recovery info.
The other aspect why I suggest ideally MFA be enabled, you'd be surprised at how often MSA accounts are hacked into or are compromised. You may not have done a single thing, but someone somewhere out there may have gotten access into your account and caused the red flags to go up. This happens rather often unfortunately.
As shitty as it is that there is no human override anymore, it's another example of Microsoft automating whatever they can automate to reduce costs. It's simple as that. Since I discovered this, all my Microsoft accounts were MFA enabled, passwords reset, and alternate contact info updated. A free to use thing get
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