Is this another GitHub thing with only user-scoped access tokens rather than project scoped? I really don't like that and I'm surprised people are seemingly fine with it.
Separate accounts are a massive pain to manage by comparison.
A "service account" on GitHub is just another user account tied to a real user with that users MFA (if MFA is enabled, and since we're referring to valid security patterns, it should be).
GitHub's organizational features are poor.