I use (redacted).on Microsoft.com tenant which is free of cost to me as a sandbox to learn about office 365 admin stuff. I don't work on it every day but it is nice to have this sandbox. I don't send spam or phishing emails. I don't send emails from this tenant at all to others, only to my own email addresses or to people I know for testing purposes.
Presumably you don't send out emails appearing to come from service@paypal.com saying things like "Reminder: You've still got a money request", with an HTML body that looks exactly like Paypal but contains a fraudulent link and phone number, so you should be fine.
No, I didn't. I did get those emails a lot on my university dot edu email. I understand there are legacy/compatibility challenges with the telephone infrastructure but you'd think this problem is entirely solvable with emails. :/