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You are still missing the point, yes that would be all true but only if you can prove that they are violating anything.. Which you can't since it is closed sourced.
Microsoft as every company like this makes money from selling your data and manipulating you.
Ai would be regurgitating data that it shouldn’t have access to outside of your tenant. That isn’t happening. That’s how you know.
How exactly are you so confident in that? AI is trained on insanely large quantities of data. And of course they would try their best to hide these practices.
And even if you are right, you are still missing the fact that they can do it in the future, laws can change too if you truly believe they are following those.
The point is, a company known to not care about it's users and only chasing profits has full unrestricted access to your data. It is foolish to believe they will never misuse it and will always follow the law.
Bill gates clearly does not care about the law, as he appears in the Epstein files many times if you need more proof.