OWD on Account is private. An account owner adds a co-worker to the account team and gives the co-worker view/edit via the team. Co-worker still can't edit the account. Why?
From documentation: "Your Salesforce admin sets default access to accounts and related records. To grant team members more access than the default, you must be the account owner or above in the role hierarchy. You can grant team members more access than the default, but not less." https://help.salesforce.com/s/articleView?id=sf.accountteam_def.htm&type=5
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Zack Terry (Fast Slow Motion)@Andy S Object-level access (set via profiles and/or permission sets) determines a user’s baseline access to an object and what they can do with that object (Create, Read, Edit, Delete), while record-level access determines which records a user can see for a particular object. OWDs, sharing rules, Role Hierarchy, Teams, and other factors all contribute to record-level access.
In this case, since the user does not have edit access at the object-level, even if they have the ability to access a record via sharing rules or account teams, without edit access for the object, they will not be able to edit the record.
This in-depth resource dives pretty deep into the salesforce sharing model, and this Trailhead Module provides some good insight.
