How to have multiple accounts and only pay for one

Game share. Sign Xbox A into Xbox B and make it the home xbox and sign xbox B into Xbox A and make it the home Xbox. Then sign out of both and sign A into A and B into B. And you games and live with be shared between both xboxs. And you can freely sign
in an out to which ever you want.

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the following link has all the information about setting up a Home Xbox for game and subscription sharing

https://beta.support.xbox.com/help/hardware-network/console/my-home-xbox

You can download multiple accounts to one Xbox with no problem.

1) Tap the silver Xbox Guide button

2) Select Download Profile (and if you don't see it, press the blue X button to make sure you're not signed in) and proceed with Profile Download.

3) Enter the Microsoft Account addresse for your Xbox LIVE gamertag to download when asked.

4) Enter the password for the Microsoft Account.

4A) If your account is an Xbox LIVE child account, the parent’s Windows Live ID & password is required as well to download the profile.

5) Pick the storage device for your profile (choose Hard Drive if you have one, or Memory Unit if you don't have a Hard Drive).

6) When the download completes you will be asked if you want the console to remember your password. If it's your home console, I'd say yes, otherwise I'd think carefully about leaving my profile unprotected on somebody else's Xbox!

7) Sign in, and retry.

There is no way to completely delete an Xbox account from the servers. You can delete the Microsoft account, but the gamertag will still be on the servers. So the only way would be to pay for two changes. I don't have a link I can give you as far as a source.
That's just how it's always been. Multiple people have asked the same thing over the years.