You definitely got confused with the basic "Chat" feature which is free "Teams Personal" preinstalled in Windows 11.
Teams Business is different with premium Business features.
Like Zoom and the others, the Teams app is free to use for personal use. The licensed business version enables a bunch of extra integration and meeting services, but if you are looking to use it for your home use - it's free. You will just need to log in with a MS account and supply a phone number to receive texts: https://forums.windowscentral.com/e...microsoft-teams%2Fdownload-app&token=J9d4shBF