I used to "use" Windows (right from version 3.0) - or should I say it was "using" me because it has always had a never-ending list of problems, a labyrinth of settings and options and tweaks that are all over the place where logic is replaced with insanity, and you could basically use 50% of your processing power and give away all the rest to anti-virus and anti-malware software.
The list of insane problems that still exist in Windows 10 is endless. Since I switched to Apple, Macs, and OS X in 2006, for the first time in my computing life, I could actually get some work done instead and drive the "car" instead of being its mechanic, constantly opening the hood and repairing the engine every second day.
The whole problem with Windows is that its code is based on something that was never meant to be used for "personal" computers but only for corporate business computing. In simple words: it's a car that needs a mechanic, not one that is happy with just a driver.
I am aware of the problem with accountsd since the 10.15.7 update and have solved it by using Onyx's Maintenance tasks taking care of the caches and cleaning up the basic applications - without any loss of data, without any re-occurrence of the problem, even after several reboots. Give it a try.