The multi-vault feature seems very myopic and consumer focused and is definitely not very business or workgroup friendly.
In the 'real' world, especially the business world, users have just one single authorized account/credential.
For my eCommerce business, i have other people in the business who need to log into various supplier and wholesale sites using the company's assigned account.
Just like all our training materials, legal docs, OneNote notebooks, etc. All that collateral is in a shared folder structure on either OneDrive or OneDrive for Business.
All our people