Animal Crossing is a special case (and one that made a lot of people angry back when the game released).

One console is tied to one “island”, which means all accounts on the same switch play in the same town. Each has got their own house and inventory, and can contribute to the island in some ways…

But only the main account, who started the save, is “resident representative”, which means they’re the only one who can build or relocate stuff, and who can start community projects needed for the island to progress.

So yeah, all other players have an inferior experience. Which is a bit of a baffling design for a family game such as this.