Yes I think you are right, but this is the correct way I followed in my latest bitnami vm. In my first one I used portal.azure.com as you see in the screenshot.. So I don't have any SSH/FTP access ...
and when I try to connect to the vm by ssh email@example.com it doesn't work
> Warning: Permanently added 'huzeyfe.northeurope.cloudapp.azure.com,18.104.22.168' (ECDSA) to the list of known hosts.
> firstname.lastname@example.org: Permission denied (publickey).
Best and thanks!