The x:DataType="vm:UserList_ViewModel"
in the <ContentPage>
will make the ContentPage and the children view bind to type of UserList_ViewModel.
You can declare the datatype for the ListView's item DataTemplate to make the item bind to type of User:
<ContentPage xmlns="http://schemas.microsoft.com/dotnet/2021/maui" xmlns:x="http://schemas.microsoft.com/winfx/2009/xaml" x:Class="WaiterEval.Views.UserList" xmlns:toolkit="http://schemas.microsoft.com/dotnet/2022/maui/toolkit" xmlns:vm="clr-namespace:WaiterEval.ViewModels" xmlns:models="clr-namespace:WaiterEval.Models" x:DataType="vm:UserList_ViewModel"><VerticalStackLayout><ListView x:Name="userList" ItemsSource="{Binding Users}"><ListView.ItemTemplate><DataTemplate x:DataType="models:User"> ....</DataTemplate></ListView.ItemTemplate></ListView></VerticalStackLayout></ContentPage>