You misunderstand, it will back up your files and keep programs from accessing them without your permission. I've watched a friend try to play a game and go through the different processes of why it's not working, turns out Onedrive owns the documents folder that should be a default folder normally. There's no documents folder where the stuff would normally go, so Onedrive ends up taking it and disallowing other apps from accessing necessary files.

Although, this is just with Windows 11 last I checked since my old PC on 10 didn't do it. Onedrive would occasionally turn on and try to save my desktop sometimes though even though I told it to piss off a year earlier