I worked a university lab and had an account on the lab server. I could walk up to any computer in the lab and login and get the exact same desktop experience with all my files and settings. The computing power was all on the local machine, but it basically mounted my user folder from the server.

That was the only time I worked anywhere with that setup on Macs, but it worked so well. Though it was admittedly not your standard office environment — there were frequent compelling reasons for me to be using different machines in different parts of the lab, and not a lot of compelling reasons for me to use that account from a computer on a remote network.

What problems do you see with multiple users on macOS? I don't use it intensively, but I've never noticed issues.