Question about backups, Macintosh HD and multiple user accounts

Hi All,
I recently had to create a second user account for myself on my Mac and wondered if someone can explain how backing up works when there’s more than one account. If Backblaze says it’s backing up my Macintosh HD, does this mean both user accounts or just the one I set it up from? And what about Time Capsule and external drives? Do they just back up both accounts, the new one and the old one?
I suppose I need educating on the basic Mac architecture and the relationship between these accounts we create vs the permanent OS. :slight_smile:
FWIW, I’m using Catalina 10.15.7 on a 2020 13" Air (Intel, not M1).
Thanks!

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