Buying Minecraft Windows 10 on my account, only to have it not work online because of "Privacy"

Same thing happening to us. Microsoft website showing correct account balance, but buying minecoins from Minecraft on Win 10 fails because it thinks balance is much lower ($1.16 instead of $17.17).

Confusingly, buying games from the Windows 10 store works. So the glitch seems to be Minecraft specific.

Hello, first it's a pleasure to be able to help you today.

My name is welcome to the community.

Hello Mils, what exact message you receive when trying to play Minecraft Online, why it's usually about privacy and security and not about the age you have in your account.

Try following the procedure below and then see if you can play Minecraft.

Online Privacy and Security

Get in https://www.xbox.com/

Then click on your account photo

Then click on the 3 points (...)

Select Xbox Settings, and then on the left side click Privacy and online security;

Next click: Xbox One/Windows 10 Online Security

Search You can join multiplayer games

Select ALLOW

I can't even go on minecraft launcher for it to access the Windows 10 Minecraft Directory because it also says buy now. Its in the same account.

Is the account a 'child' account? If so, see here:
https://answers.microsoft.com/en-us/windows/forum/games_windows_10/minecraft-privacy-and-online-safety-settings/b61e7b37-d332-4be0-b479-8873be04d052

Zach, when you were in the family group, your privacy settings were managed by a parent/adult account, or you never had to ask for “permission” to change the settings?

If it's the second, please try this potential fix:

Step 1. Go again to your privacy and online safety settings and disable everything under “Privacy” and “Online safety for Xbox Series X|S, Xbox One and Windows 10”.

Step 2. Sign out from your account on the Minecraft launcher and the Xbox app.

Step 3. Go to PC Settings > Installed Apps > Look for the Minecraft launcher and go to advanced settings.
Then click “repair” and “reset”.

Step 4. Open one more time your privacy and online safety settings and enable everything for both privacy and online safety tabs.

Step 5. Wait 5-10 minutes and access with your account on the Minecraft launcher and try entering again to the multiplayer features.

Privacy settings:

https://account.xbox.com/Settings