Fonctionnalités, paramètres ou problèmes supplémentaires non couverts par des catégories Microsoft Teams Gratuites spécifiques
If you need to create teams/channels, you need commercial/business license/account, not on personal account.
The closest you can create is using the community feature, then you can create up to 4 channels inside the community. Make sure you set the community to private so that others cannot discover it and join. That way they can only join when you invite them.