game runs with wrong microsoft account that is NOT logged in

I would beg to differ a little on that. I had a Mojang account, migrated it to Microsoft Games account, everything worked because I currently have a running Realms account and monthly bill that I started before migrating my email to a Microsoft 365 Business account.

I am no longer able to access the Microsoft Games account because my email account is considered a Work account because it is running on Microsoft 365.

Had access prior to Microsoft Games account and all was right in the world.

Migrated my email to Microsoft 365 Business and more and more becomes wrong in the world. I am unable to get into my Games account, I am unable to cancel my Realms monthly billing, and I don't want to get started with the issues I have with Microsoft 365. Because Microsoft's decisions of "This is for work, so personal stuff is a no no" is extremely frustrating.

You can change the primary email associated with the account. That may help you guys in the future.

Sadly the Items purchased are tied to the account. because this was a Fortnite bundle it wouldn't be eligible for family share. The Skins are tied to the account as well.

I've done a similar thing with my Kids accounts. Just had to make sure I was more careful the next time. Sorry this happened.

Sorry to hear it. Normally DLC that involves shaders or V-bucks such as the EON bundle cannot be transferred from one account to the other nor can it be shared to another account.

Some DLC can be shared, however there are exceptions and I suspect that this is one such case where the exception would apply as it would mean one parent could buy skins for multiple kids for example.