Please, read about rule #32 of forum's rules, there's absolutely no necessity to post multiple replies in subsequent posts within less than 24h. You risk getting your replies deleted and it's annoying to other readers.

If you want to reply to some different recent posts you can easily insert quotes from the Topic Summary below the reply entry box, there is an Insert Quote link in the top right corner of every recent post of the thread.


Regarding accounts in a HD wallet. You need to learn more about HD wallets and derivation paths. For a start, go here:
https://learnmeabitcoin.com/technical/keys/hd-wallets/
and
https://learnmeabitcoin.com/technical/keys/hd-wallets/derivation-paths/

I highly recommend to work through the Beginners section on that site, too. You can learn a lot there!

Accounts are simply like different branches in derivation paths. The common derivation path for native segwit addresses is:
m/84h/0h/0h/0/0 (equiv. to m/84'/0'/0'/0/0; master private key/purpose'/coin'/account'/external|internal/address index)

m/84h/0h/0h/0/0 -- first external (=receiving) address of first account for Bitcoin (coin=0) native segwit (purpose=84)
m/84h/0h/1h/0/0 -- first external (=receiving) address of second account (account=1) for Bitcoin (coin=0) native segwit (purpose=84)
m/84h/0h/2h/1/2 -- third internal (=change) address of third account (account=2) for Bitcoin (coin=0) native segwit (purpose=84)