Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
I am in Australia too and had the same concerns. I admit the heart rate got up there whilst going through the process, but I was able to change back to the original Personal Classic version. The thing about Microsoft is that even though they treat all their customers like fools and cash cows, they do not ant you to leave so they keep checking you really want to cancel before it actually happens. Just stay focused on your screen and read everything because they do not make it easy to change back I was able to do it but waited until just a day or so before renewal. In the meantime remove auto-renew agreement, that way they have to contact you to remind you to pay up!