With Skype you're definitely able to receive separate streams from each participant, as I can access them individually via NDI and pipe them into OBS to do live

With Skype you're definitely able to receive separate streams from each participant, as I can access them individually via NDI and pipe them into OBS to do live multi-party interviews. You can see the resolution of individual feeds change when their bandwidth drops, and you can choose high/low bandwidth and latency modes for each feed. I would guess Zoom does the same but doesn't provide an NDI feed (yet).