Account is a BIP32 thing. Basically a different (2) branch(es) of the HD tree. The stated intent of accounts in BIP32 is basically isolation of the coins, addresses from ones in other accounts.

It's imo the most natural way to prevent co-spending though of course it can be done otherwise.

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So basically what you're saying is don't re-use addresses, and don't use both clean and dirty addresses as inputs to the same transaction, because that links the clean coins to the other coins.