MacOS OneDrive issues solved by downloading from MS website
WARNING This solution is somewhere around a 5 on a 0 to 10 scale of non-techie to techie. If you don't feel comfortable in the terminal, I wouldn't try it.
The problem was the OneDrive app from the App Store. I deleted that one and installed the one from MS website.
This causes a conflict even if you select "use existing OneDrive folder" or whatever the option is called during the installation process.
Specifically, in /Users/[your-user-name-goes-here]/Library/CloudStorage you'll have two OneDrive folders, one with a (2) after it, so you'll have to rename them.
Rename "OneDrive-Personal" "OneDrive-Personal-old"
Rename "OneDrive-Personal(2)" "OneDrive-Personal"
You'll have to sudo both moves.
Then make sure the symlink to $HOME works with this:
ln -sfn "$HOME/Library/CloudStorage/OneDrive-Personal" "$HOME/OneDrive"
Obviously, back everything up before doing anything.