Additional features, settings, or issues not covered by specific Microsoft Teams Free categories
First of all, I think we need to make sure we are on the same page regarding the definition of "guest user".
If you are using personal account to sign into your Teams, and you want to add people to your chat, groups, community channels or what have you, these people are NOT "guest" by Microsoft's definition.
Guest user is a concept only applicable in Teams for business.
I will give you an analogy -
Adding them as guest users is like inviting the them into your office building so you can work together inside the same environment.
Before they can enter, you first register their personal identity with your organization (Microsoft's lingo is "tenant"). When they arrive, security checks their ID against the information you provided and issues them a guest badge. That guest badge allows them to enter your building and access the areas and resources you have permitted them to use.
In Microsoft 365, their personal account is essentially their ID, while the guest account in your tenant acts like the guest badge that gives them access to your organization.
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So a very important question here is - What type of account are you using to sign into your Teams? If you are using a personal account, then this "guest user" route is a dead end as it is not applicable.
But if you are using a work/school account to sign into Teams, great, next step is, are you the admin user for the business/organization account? That determines if you have the right/access to add guest user.