External users must obtain, at minimum, the snc_external role. The snc_external role indicates that the user is external to your organization.
Source: https://docs.servicenow.com/bundle/washingtondc-customer-service-management/page/administer/contextual-security/concept/explicit-roles-in-csm.html
Both B2B and B2C customers are outside the organization and are therefore considered external. The [sn_customerservice.customer] role only applies to B2B not B2C so the given answer C is incorrect.
Source: https://docs.servicenow.com/bundle/vancouver-customer-service-management/page/product/customer-service-management/reference/r_RolesInstalledWithCustomerService.html#r_RolesInstalledWithCustomerService__section_p5t_gcr_3mb
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