Not properly understanding how monobehaviour scripts act without a GameObject.

I have three files(scripts), which each contain a class of the script name. Account, Player(MonoBehaviour) and GameManager (MonoBehaviour).

Account is essentially a save slot. It holds a users gold, status in the game, and most importantly a list of players ( public Player[] team ).

Player holds the attributes that a player(character) should have (hp, attack power...). These variables need to exist even when the game is not actively being played.

GameManager is what creates and allows the game to be played. It contains a list of gameObjects that will physically represent the player.

I was told previously to make my player and Account scripts not inherit from MonoBehaviour, but this means my gameObjects won't have the player script attached to them, which makes interactions funky.

So I decided to make Player a monobehaviour script, but if I do this I have trouble keeping scripts without a GameObject.

My questions are : Can I have a script without a GameObject? If not, should I make team(within account) a GameObject array that stores the players? If not, what is the best way to implement this?

 public class Account{
 
     private string accountName;
     public int gold;
     public int teamSize = 15;
     public int playerCount = 0;
     public Player[] team;
     //public GameObject[] team;
     
     public Account(string newAccountName){
         accountName = newAccountName;
         gold = 10;
 
         team[0].newPlayer("Garet", "Mage", 0);
         team[1].newPlayer("Karla", "Ranger", 0);
         team[2].newPlayer("Tyler", "Warrior", 0);
         
         playerCount = 3;
     }
 }
 
 public class Player : MonoBehaviour{
 
     public string playerName;
     public string className;
     public int experience;
 
         public int health... etc....
 
 //constructs a new player
     public void newPlayer(string newCharName, string newCharClass, int newExperience)
     {
         playerName = newCharName;
         className = newCharClass;
         experience = newExperience;
         
         setStats();
     }
 }
 
 public class GameManager : MonoBehaviour {
 
     //other scripts
     public Player player;
     public Account currentAccount;
 
     //Stores the gameObjects
     List<GameObject> playerModels = new List<GameObject>();
     
     //Awake is the first thing called, and instantiates all scripts
     void Awake()
     {        
             currentAccount = new Account("tempAccount");
     }
     
     //Start is called just after Awake, and instatiates all players and global variables
     void Start()
     {
         //create representations of players
         addPlayers(2);
     }
     
     //adds numberOfPlayers many plays from account into game.
     void addPlayers(int numberOfPlayers)
     {
         //loop through numberOfPlayers and create gameObjects for them.
         for(int i=0; i < numberOfPlayers; i++)
         {
             //creates a capsule gameObject to represent the player
             //playerModels[i] = GameObject.CreatePrimitive(PrimitiveType.Capsule);
             playerModels.Add(GameObject.CreatePrimitive(PrimitiveType.Capsule));
             
             //moves the capsule to the start position determined by its number
             playerModels[i].transform.position = spawnPosition(i);
             
             //tags the gameObject as a player
             playerModels[i].tag = "Player";
             
             //playerModels[i].AddComponent<Player>();
             playerModels[i].AddComponent<Player>();
             Player tempPlayerScript = playerModels[i].GetComponent<Player>();
             tempPlayerScript.copyPlayer(currentAccount.team[i]);
             
             //TODO set player team??
             
         }
     }