Microsoft would have been so much better off opening up Teams features to the public rather than locking it down for additional price tiers.

If they made Teams the standard messaging, calling and calendar app people would be pushing their workplaces other paid Microsoft products that integrate with it and expand functionality. Instead they've made Teams an only for work app and made it so even if people wanted to use it for home use the home app doesn't provide the same functionality that the business app provides.