I ran into the same problem and found a really clear explanation here ftp to onedrive https://cloudmounter.net/ftp-onedrive/ which shows how you can mount both OneDrive and FTP as regular drives on macOS. Once mounted, everything becomes part of your local file system in Finder, allowing you to edit, move, and organize your documents without opening multiple apps or logging into various accounts. It made my whole workflow far more efficient.