I have so many things to complain about with Microsoft, especially the enshitification of Windows, but I think the way they handled the Microsoft 365 plan change was actually transparent. I got an email telling me the price was going to go up a month before my plan was going to renew, and I logged into my account and saw the option to downgrade back to the tier I was originally on. It's a hassle, but it's a one-time thing. Of course it's still not cool of them to opt-in people to a more expensive tier.
I do not consider auto-upgrading people to pay more for something they probably aren’t already using “transparent”. Most especially if they didn’t mention in the email that there is a way to keep the existing price.