I have a Microsoft account for OneDrive, and if that account ever gets banned — say, a defective algorithm thinks I've uploaded pirated content when I haven't —

I have a Microsoft account for OneDrive, and if that account ever gets banned — say, a defective algorithm thinks I've uploaded pirated content when I haven't — I don't want to also lose access to a game I've already paid for. Right now, the accounts are separate. It reminds me of people who lost access to their e-mails and photos for making YouTube comments (a completely unrelated service).