Supposedly Office 2022 can be purchased by individuals, which suggests that the individual applications can as well. Also, a Microsoft 365 subscription DOES include access to standard Windows applications, but web apps as well. A "Home" license DOES include Access and can be installed on up to five devices. There's a lot of value in the 365 Home sub, since it also provides 1TB of OneDrive as well, even if it falls short compared to the utility of Google's cloud in some other ways. Here in the USA, 365 Home is around $7/month, but sometimes goes on sale for as little as $5/month.
There's also an extremely valid issue with Microsoft, which is that different parts of its platforms create different IDs that it treats differently even if they're tied to the same individual. I've run across people who have gotten locked out of a 365 account because of something their kid did on Xbox Live, or because the Windows Live account they have isn't associated with purchases they made at Office.com. Credit card transactions aren't sufficient proof of identity for this stuff, so if you fall in to that particular hell, there's almost no way to get your stuff back. Apparently there are something around a dozen different sorts of "Microsoft Accounts" that MS says should be single sign on equivalent on its platforms. So, you know, screw that.
HOWEVER, the bar-none cheapest way to get Office is to obtain someone's leftover MSDN key. People sell them on shady web sites like G2A.com. These are valid keys for a product Microsoft refuses to offer to consumer end users, so you're ignoring the license requirements for your practical needs. I've bought these for home users a few times and I have not had issues and I usually pay about US$35 for one.
If you need a key for something Office 2013 or older, especially if you can make do with JUST Access, I definitely have some keys you can use because I have leftover MSDN keys that'll still work.
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