Use of a “not for commercial use” program for commercial gain for someone who isn’t a pilot to offer flight training with.
What could go wrong?
Now, if you had a recreational sim idea and got the correct license from MS in order to charge for providing that service using their software, that would likely fly (pun intended). But you better have a ton of money at the ready for your cockpit, a solid business plan fully hashed out, and a sack of money for both the lawyers required on both sides and for MS licensing fees.