Here's the exercise, as quoted from B.L. van der Waerden's Algebra,
Show that any commutative ring $\mathfrak{R}$ (with or without a zero divisor) can be embedded in a ''quotient ring" consisting of all quotients $a/b$, with $b$ not a divisor of zero. More generally, $b$ may range over any set $\mathfrak{M}$ of non-divisors of zero which is closed under multiplication (that is, $b_1$, $b_2$ is in $\mathfrak{M}$ when $b_1$ and $b_2$ are). The result is a quotient ring $\mathfrak{R}_{\mathfrak{M}}$.
I'm not sure if I am stuck or if I am overthinking. My answer goes like this:
Commutative rings without zero divisors are integral domains as defined in Algebra and, by removing all $a/b$ which are not in the the commutative ring $R$ from the field $R \hookrightarrow Q$ where $Q$ is the field of all quotients $a/b$, one shows that any commutative ring without zero divisors can be embedded in a quotient ring. (This is more rigorously outlined in Algebra itself.)
Now what has me confused is how this case differs from a case with zero divisors. Doesn't the exact same logic hold for a commutative ring with zero divisors? The only thing that I think zero divisors would interfere with is solving equations of the form $ax=b$ and $ya=b$ since there aren't inverses of zero divisors. However, we do not need to show that they can be embedded in a quotient field. We're only showing they can be embedded in a quotient ring. So, there's really no issue here and we apply the same approach as above.
Now, as for the last part, I think that all that needs to be said is that if the set $\mathfrak{M}$ wasn't closed under multiplication, neither would the "ring" be and hence it would not be a ring by definition. Therefore, $\mathfrak{M}$ has to be closed and any commutative ring where $b$ ranges over any set of non-divisors of zero can be embedded in a quotient ring.
I guess my real issue here is that I can't tell if I'm overthinking or underthinking. Does anyone care to elucidate this for me?