OK well I must be using a different version of Windows.
I only have one option, in Accessibility Options, Display, Use High Contrast.
To test this, I started off with normal display, and set up a normal worksheet, with three cells coloured red, green and yellow for the background, and each with black text saying either 1, 2 or 3.
I then turned on the high contrast display, and the red, green or yellow for the background disappeared, and ALL cells became black background, with white text.
Is this what you want, or are you looking for something different ?
Can you clarify please ?