throws an error:

Msg 4104, Level 16, State 1, Line 1
The multi-part identifier “stack.Personal accounts.ROW_ID” could not be bound.

Answer 1, authority 100%

What do you mean by stack – the name of the database? (directory)

1) If you specify object names with a directory name, then you must also specify the schema name. you get something like

select *
from stack.dbo. [Object List] so

etc.

2) You combine stack.dbo. [List of objects] and stack. [Readings of counters] and in the condition of the union you refer to some kind of stack. [Personal accounts], so. [Objects-Account], etc.
Give the structure of the tables, you clearly have some kind of confusion in concepts