I think your making the assumption that business user means someone sitting st a desk with a PC writing letters in word or doing calculations in excel and not s

I think your making the assumption that business user means someone sitting st a desk with a PC writing letters in word or doing calculations in excel and not someone with a shovel doing gardening or driving a van around. For the average small business the only thing they cant do on their smartphone is file their taxes or interact with whatever bookkeeping/banking system their accountant ashed them to use. And the only applications they have is whatever came preinstalled on the acer laptop they bought from the local big box store. For MS and their partners the goal is to actually sign them up with an business account through an MSP, which might not be the rational thing for any small service sector business to do as there is nothing in the o365 that will aid them in performing the services they sell to their customers.